Enter your monthly take-home income to split it into needs, wants, and savings.
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A calculator that splits your monthly take-home income into three simple spending categories: needs, wants, and savings or debt repayment.
The 50/30/20 rule works because it removes the guesswork from managing money. Three clear buckets cover everything: your essentials, your enjoyment, and your future. It recognises that a good budget isn't just about survival, it's about making sure you have room to actually enjoy your life too. Because it's proportional to what you earn, it works at any income level. Simple enough to stick to, balanced enough to actually work.