BudgetKit
50/30/20 Budget Calculator
Generate a simple allocation baseline for needs, wants, and savings/debt payoff.
50/30/20 Budget Planner
Start with a clean split, then adjust based on rent, debt load, and savings goals.
FAQ
What if my needs are above 50%?
Treat 50/30/20 as a direction, not a strict pass/fail. Reduce fixed costs gradually when possible.
Can I put debt payoff in the 20% bucket?
Yes. Savings and extra debt payoff usually share the same allocation bucket in this framework.
When should I recalculate?
Re-run after raises, rent changes, debt payoff milestones, or major recurring-expense updates.
Need to verify cash flow against real expenses? Use the Monthly Budget Calculator.