Add up your monthly income and expenses, see what is left over, your savings rate and how your spending compares with the 50/30/20 guideline — in your browser.
Needs are the bills you cannot skip: rent, food, utilities, transport, insurance, minimum debt payments. Wants are optional spending such as eating out, subscriptions and hobbies. Savings is money you set aside. The 50/30/20 split is a rule of thumb, not a law — a budget that fits your life beats a perfect ratio.
This budget calculator turns a monthly income and a list of expenses into a clear picture of where the money goes. Type your net income, add one line per bill or everyday purchase with an amount, and tag each line as a need, a want or savings. The calculator adds the lines up, shows the amount left at the end of the month, your savings rate and what that monthly surplus becomes over a full year. A second block compares your three buckets with the common 50/30/20 guideline of 50 percent needs, 30 percent wants and 20 percent savings, so you can see whether rent and groceries are eating the budget or whether the savings line is being skipped. Amounts can be typed with a dot or a comma as the decimal separator, and every figure is recalculated while you type. Nothing is uploaded and nothing is stored: the numbers stay in the browser, which makes the page usable with real salary, rent and loan figures.