Finance tool
Budget Calculator
Map monthly take-home income to common spending categories and see cash left over, savings rate, needs, and flexible 50/30/20 guideposts.
Monthly budget
Remaining cash
$350
Total expenses$4,650
Savings rate16.0%
Needs / wants / savings & debt$3,050 / $500 / $1,100
50/30/20 targets$2,500 / $1,500 / $1,000
| Category | Amount | Income share |
|---|---|---|
| Housing | $1,500 | 30.0% |
| Utilities | $250 | 5.0% |
| Transportation | $400 | 8.0% |
| Food | $600 | 12.0% |
| Insurance & health | $300 | 6.0% |
| Debt | $300 | 6.0% |
| Savings | $800 | 16.0% |
| Personal & other | $500 | 10.0% |
A budget is a decision tool, not a judgment
The calculator groups recurring costs into practical categories and shows each category as a share of take-home income. A deficit is visible immediately, before it becomes credit-card debt.
The 50/30/20 split is a starting guideline, not a rule. Housing costs, family needs, location, and debt repayment priorities can make a different allocation more realistic.
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