50/30/20 Budget Rule

Needs, wants and savings in a single glance. Apply the classic split to your after-tax income, then score your own spending against it.

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📈 Needs vs wants vs savings

The three buckets that decide whether you build wealth or just survive.

💡 Custom split

High-cost city? Drag the numbers to 60/20/20 or whatever matches your life.

💲 Audit mode

Enter actual spending and see which bucket is leaking before it becomes a crisis.

🔒 Private

All calculations run locally in your browser. Nothing is sent anywhere.

More budget tools

Build the budget, then hold the line.