justyourcalculatorBudget Calculator
See where your money goes and how it compares with 50/30/20.
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Budget Calculator
Plan spending and check it against the 50/30/20 rule
Pay after taxes.
Left over each month
$380.00
7.6% of income
- Monthly income
- $5,000.00
- Monthly spending and saving
- $4,620.00
- Yearly left over
- $4,560.00
50/30/20 check
- NeedsGuide: 50%, $2,500.00
- $3,300.00 (66%)
- WantsGuide: 30%, $1,500.00
- $820.00 (16%)
- SavingsGuide: 20%, $1,000.00; includes money left over
- $880.00 (18%)
- Rent or mortgage$1,500
- Utilities and internet$250.00
- Groceries$600.00
- Car, gas and transit$400.00
- Insurance and health$250.00
- Debt payments$300.00
- Dining and entertainment$300.00
- Shopping and personal$200.00
- Phone and subscriptions$120.00
- Travel and gifts$100.00
- Other$100.00
- Savings and investing$500.00
- Left over$380.00
- You
- 50/30/20
| Category | Monthly | Yearly | % of income |
|---|---|---|---|
| Rent or mortgage | $1,500.00 | $18,000.00 | 30% |
| Utilities and internet | $250.00 | $3,000.00 | 5% |
| Groceries | $600.00 | $7,200.00 | 12% |
| Car, gas and transit | $400.00 | $4,800.00 | 8% |
| Insurance and health | $250.00 | $3,000.00 | 5% |
| Debt payments | $300.00 | $3,600.00 | 6% |
| Childcare and education | $0.00 | $0.00 | 0% |
| Dining and entertainment | $300.00 | $3,600.00 | 6% |
| Shopping and personal | $200.00 | $2,400.00 | 4% |
| Phone and subscriptions | $120.00 | $1,440.00 | 2.4% |
| Travel and gifts | $100.00 | $1,200.00 | 2% |
| Other | $100.00 | $1,200.00 | 2% |
| Savings and investing | $500.00 | $6,000.00 | 10% |
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How the budget calculator works
Start with take-home pay (after taxes and payroll deductions), then list what you spend in each category. What is left is money you can save, invest or use to pay down debt faster.
The 50/30/20 rule is a simple benchmark: about 50% of take-home pay for needs (housing, utilities, groceries, transport, insurance, minimum debt payments), 30% for wants and 20% for savings and extra debt payments. It is a starting point, not a strict rule; in high-cost areas needs often take more.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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