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Enter your monthly take-home pay to see how much the 50/30/20 rule gives to needs, wants and savings. Add what you really spend to see where you are over or under. Free, no sign-up, runs in your browser. Any currency.
Needs budget
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Wants budget
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Savings & debt budget
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Left after actual spending
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| Part | Budget | Actual | Actual % of pay | Budget − actual |
Yearly savings at your actual rate: -. If needs are over 50%, that is common in high-rent cities: try 60/20/20 or 70/20/10 and focus on keeping savings steady.
The Monthly Budget Planner is an .xlsx file for Excel, Google Sheets and Apple Numbers: plan each category, log your spending once, and see budget vs actual for the month plus a 12-month overview with your savings rate. Instant download, no subscription.
Get the Monthly Budget Planner on Etsy ($4)
Just want something simple? Download the free one-sheet budget spreadsheet. Or the Personal Finance Spreadsheet Bundle ($9, 3 files): budget planner + debt payoff planner (snowball vs avalanche) + savings goals tracker.
Needs (50%): things you must pay to live and work: housing, utilities, groceries, transport, insurance, childcare and the minimum payment on every debt.
Wants (30%): things you could cut: eating out, entertainment, streaming, clothes beyond the basics, hobbies and holidays.
Savings and debt (20%): emergency fund, retirement, sinking funds for known costs and anything you pay on debt above the minimum.
The split is a starting point, not a law. The calculator lets you change it; the three parts should add up to 100%.