Budget Calculator
Free tools to plan your budget, hit savings goals, and pay off debt faster.
Free Budget Calculator
Use the 50/30/20 rule or create a custom budget — instantly.
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50% — Needs
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30% — Wants
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20% — Savings
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Monthly Total
Budget Breakdown
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Months to Goal
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Years to Goal
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Total Saved (with interest)
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Interest Earned
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Months to Pay Off
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Total Paid
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Interest Paid
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Payoff Date
How to Use the 50/30/20 Rule
50% — Needs
Rent/mortgage, groceries, utilities, transport, and minimum debt payments.
30% — Wants
Dining out, streaming, hobbies, shopping, and other discretionary spending.
20% — Savings
Emergency fund, retirement (401k/IRA), investments, and extra debt payoff.