Budgeting — the 50/30/20 Plan
One guideline, three buckets: roughly 50% of take-home pay to Needs, 30% to Wants, 20% to Savings. Enter your real numbers below and see exactly where you stand against that guideline — not as a rule to obey blindly, but as a mirror to look into.
Needs
Wants
Savings
Needs · guideline 50%Wants · guideline 30%Savings · guideline 20%
Needs$0 (0%)
Wants$0 (0%)
Savings$0 (0%)
Unassigned income left over
$0
$0
Needs
$0
Wants
$0
Savings
50/30/20 is a starting guideline, not a law — high cost-of-living areas or heavy debt payoff plans often need a different split. The point is to make the split a conscious choice.
Debt Payoff Planner
List each debt, add any extra you can put toward payoff each month, then compare Snowball (smallest balance first) against Avalanche (highest rate first).
No debts logged yet — add each one above.