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Budget Planner calculator
Budget Master Pro
Optimize your monthly cash flow with the 50/30/20 rule
Income & Needs
$
$
$
Wants & Savings
$
$
$
50/30/20 Rule Analysis
Needs (Essentials) - Target 50%0%
Wants (Lifestyle) - Target 30%0%
Savings/Debt - Target 20%0%
Unallocated Cash
$0.00
AI Recommendation:
About the Budget Planner calculator
Enter your take-home pay and main monthly costs to see how much is left over and what share each category takes.
How to use the Budget Planner calculator
- Enter your Monthly Take-Home Pay.
- Fill in Housing & Utilities, Essential Groceries, Entertainment & Dining, Planned Savings/Debt and Other Subscriptions.
- Press Generate Budget Plan.
Formula and method
Remaining = Take-home pay − total of all categories. Each category is also shown as a percentage of your pay.
Tips
- A negative remainder means you are spending more than you earn. Look at wants and subscriptions first.
- Review your budget every month for the first quarter, then quarterly.
Frequently Asked Questions
Use net (take-home) pay, because that is the money you can actually spend.