50/30/20 Budget Calculator
Split your net income by the 50/30/20 rule: 50% needs, 30% wants, 20% savings and debt repayment.
560 €
To savings (20%)
| Needs (50%) | 1,400 € |
| Wants (30%) | 840 € |
| Savings & debt (20%) | 560 € |
The 50/30/20 rule is a simple way to split your net income between needs, wants, and savings. This 50/30/20 budget calculator shows, from a single input, how much of your monthly income should go to each category.
How the calculator works and what it’s for▾
How the 50/30/20 rule works
The rule directs 50% of net income to needs, 30% to wants, and 20% to savings and extra debt repayment.
On 2,000 € of net income, for example, that leaves 1,000 € for needs, 600 € for wants, and 400 € for savings. The calculator makes this split for you in one click.
What you enter and what you get
You enter only your monthly net income, that is, your take-home pay.
You get three amounts in euros: needs (50%), wants (30%), and savings and debt (20%), forming a clear budget framework.
What belongs in each category
Needs cover essentials such as housing, food, and bills. Wants include leisure, hobbies, and other optional spending.
The final 20% goes to savings, investments, and any extra payments on top of your regular debt repayment.
Tips and interpretation
50/30/20 is a guideline, not an iron rule. In high-cost-of-living areas, needs may take more than half, so the other shares have to flex.
Use the budget as a starting point and track your actual spending to see how well your habits match the target split.
🔄 Reviewed June 2026
Frequently asked questions
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