50/30/20 budget calculator
Enter your net monthly income and instantly see how to split it: 50% needs, 30% wants, 20% savings.
- Free, no sign-up
- Clear monthly split
- See the savings potential
What lands in your account each month.
What goes into each category?
A simple split that keeps spending in check and pays your future first.
Needs · 50 %
Rent, food, energy, transport, insurance
Wants · 30 %
Eating out, entertainment, subscriptions, hobbies
Savings · 20 %
Savings, investing, emergency fund, extra debt payments
What if you invested the 20%?
Your 20% savings invested monthly at 7% a year would grow to:
—
in 20 years
Illustrative at 7% p.a. over 20 years; real returns vary and are not guaranteed.
Build it for real in Assetli
The calculator gives the split. Assetli turns it into budgets that track themselves — for free.
Free forever · 30-day Premium · no card
How it works
Three steps
Enter your income
Your net monthly income.
See the split
50% needs, 30% wants, 20% savings.
Build the habit
Save and invest the 20% first.
Frequently asked questions
What is the 50/30/20 rule?
A simple budgeting guideline: spend up to 50% of your net income on needs, up to 30% on wants, and put at least 20% toward savings, investing or paying off debt.
Should I use net or gross income?
Use net income — what actually lands in your account after tax and insurance. That's the money you can budget.
What if my needs are over 50%?
It's a guideline, not a law. If housing pushes needs above 50%, trim wants or savings temporarily — but aim to bring needs back down over time.
Is the calculator free?
Yes, completely free and it runs in your browser without signing up. Nothing you enter is sent anywhere.