Budget calculator
List what comes in and what goes out each month. The calculator sorts your spending into needs, wants and savings, compares it with the 50/30/20 guideline and shows what is still unassigned.
Runs entirely in your browser. Nothing you type is sent anywhere; it is only remembered on this device so you can come back to it.
Monthly take-home amounts, after tax.
Tag each line as a need, a want, or savings and debt payoff.
Good to know
It is a rough guideline that splits take-home pay into about 50% for needs such as housing, groceries and transport, 30% for wants such as eating out and hobbies, and 20% for savings and extra debt payments. Treat it as a reference point rather than a rule: high-rent cities and low incomes often push needs well past 50%, and that is not a personal failure.
Use take-home income, meaning what actually lands in your account after tax and payroll deductions. If some deductions are already savings, such as a workplace pension, you can add them as a savings line so your real savings rate is visible.
A need is a cost you would have to cover even in a difficult month: rent or mortgage, basic groceries, utilities, insurance, minimum debt payments and getting to work. Wants are the upgrades and extras. Many lines are a mix, so a fair approach is to put the basic version under needs and the extra under wants.
Give it a job before the month starts. Common choices are an emergency fund, extra debt payments, a sinking fund for irregular bills or a small buffer that stays in your account. Money without a name tends to get spent without a plan.
These tools use simple arithmetic and common budgeting guidelines. They do not know your full situation and are not a substitute for personalised financial advice.
Keep reading
Budgeting" is one of the most important financial skills you can learn. It's the key to keeping your finances in order, so you can save, invest, and plan for your future. This guide will give you a quick overview of the basics of budgeting, as well as some tips to get you started.
A first paycheck budget helps you turn new income into clear priorities before small upgrades quietly become permanent bills.
A budget categories cleanup helps you turn messy expense labels into a simple system you can actually review and use each month.
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Meet the app
Track spending, plan budgets, and understand where your money goes—privately and without the spreadsheet headache.