Free tool

50/30/20 Budget Calculator

Split your take-home pay the classic way: 50% needs, 30% wants, 20% savings and debt. Enter what you actually spend to see how you compare.

Your inputs

Monthly take-home income$

Optional: what you actually spend

Actual needs (rent, groceries, bills)$Actual wants (dining, fun, subscriptions)$Actual savings & extra debt payments$

The 50/30/20 rule is a starting point, not a law. High cost-of-living areas often need a 60/20/20 reality.

Needs / mo

$2,500

Wants / mo

$1,500

Savings / mo

$1,000

Enter your actual spending on the left to see how you compare to the plan.

Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.