Free 50/30/20 Budget Splitter

The 50/30/20 rule is the simplest budget in personal finance: half your take-home pay for needs, 30% for wants, 20% for savings. This free splitter does the math for you instantly — enter your pay and see your three buckets, with bars to compare them at a glance.

Rules, not laws

Think of 50/30/20 as a starting point, not a pass/fail test. A high earner might save 40%; someone on a tight income might save 5% while paying down debt. The habit matters more than the exact percentages.