Turn a monthly income into a simple spending plan. Enter what you earn, choose the 50/30/20 rule, a family or lean preset, or your own percentages, and the tool splits your income into needs, wants and savings. These results are estimates for general information only and are not financial, investment or tax advice. Actual figures depend on the terms of your lender or provider and your local tax rules.
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How to Use the Budget Allocator
Enter your monthly income, choose a preset split or custom percentages, then press Calculate.
The 50/30/20 rule
Needs covers essentials such as rent, food, utilities and transport.
Wants covers discretionary spending such as dining out and hobbies.
Savings covers debt repayment, investing and emergency funds.
Presets and custom splits
Families and higher cost-of-living cities often use 60/20/20.
A lean budget can use 70/20/10.
Custom percentages are normalised to 100%, so the amounts always add up to your income.
Features
Splits income into needs, wants and savings
50/30/20, 60/20/20 and 70/20/10 presets, plus custom percentages
Custom percentages are normalised so the total always equals your income
Choose your currency and copy the result
All processing runs locally in your browser. Your data is not uploaded to any server.
These results are estimates for general information only and are not financial, investment or tax advice. Actual figures depend on the terms of your lender or provider and your local tax rules.