Budget Calculator
The 50/30/20 framework: half to needs, 30% to wants, 20% to future-you. Enter income and compare your actual split.
Your savings rate
13.3%
| Category | Target | Actual | Delta |
|---|---|---|---|
| Needs (50%) | $3,000 | $3,300 | -$300 |
| Wants (30%) | $1,800 | $1,900 | -$100 |
| Savings (20%) | $1,200 | $800 | -$400 |
How the Budget Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Frequently Asked Questions
How does the Budget Calculator work?
Enter your numbers above and results update instantly using standard formulas, computed entirely on your device.
Is the Budget Calculator free to use?
Yes — completely free with no signup required, and it works on phones, tablets, and desktops.
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