Enter your monthly take-home pay and what you currently spend. The calculator shows how your split compares to the 50/30/20 rule and the exact dollar moves to bring it in line.

1Monthly after-tax income
$/ month
2Current monthly spending
$/ month
$/ month
$/ month
Total spending$5,000
Every dollar allocated
Measure against
BalancedBest for Most middle incomes

The default. Room for a comfortable lifestyle while still saving a fifth of every paycheck. If your rent is moderate, this is the split to beat - anything you trim from wants can go straight to savings.

Your allocation vs the 50 / 30 / 20 ruleOn plan
Your split
50 / 30 / 20 target
NeedsWantsSavings & Debt Repayment
CategoryCurrentTargetDifferenceStatus
Needs$2,50050%$2,50050%-On budget
Wants$1,50030%$1,50030%-On budget
Savings & Debt Repayment$1,00020%$1,00020%-On target
You are putting 20% of take-home toward savings & debt - at or above the 20%% target. Your split tracks the rule closely.
Where the savings bucket leads

Your savings & debt line, projected forward.

Savings is the one bucket that keeps working after the month ends. At an assumed long-run real return of 7%, your current $1,000/mo compounds as below - alongside what the 20% target would reach.

HorizonAt your 20%At the 20% targetDifference
10 years$173k$173k-
20 years$521k$521k-
30 years$1.22M$1.22M-
Future value of a monthly annuity at a constant 7% return, end-of-month contributions. Not adjusted for inflation, tax, or changing contributions - a directional estimate, not a forecast.
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