Spending Calculator
Plan your month with categories, quick 50/30/20 targets (or your mix), and a live summary. Your data stays in your browser.
Needs/Wants/Savings50/30/20
Planned total
$0.00
Left after spend
$0.00
The 50/30/20 split is a common heuristic. Use it as a starting point and adjust for your situation.
Category
Group
Amount
Actions
How this tool helps
- Track Needs / Wants / Savings and see shares vs income.
- Use the 50/30/20 rule or set your own percentages.
The 50/30/20 rule is a popular budgeting heuristic; many consumer guides suggest listing income & expenses monthly and revisiting as you review actuals.
Tips for better results
- Audit subscriptions each quarter.
- Automate transfers on payday (“pay yourself first”).
- Use bucketed accounts (bill-pay, spending, sinking funds).
Monthly Total
$0.00
Composition by group
Actual vs target
Toggle 50/30/20 or set your own target mix. Needs/Wants/Savings targets are applied as a share of income.
Heuristics
Enter monthly take-home income to see target amounts.
Pro tips:
- Audit recurring charges (subscriptions, memberships) quarterly.
- Automate transfers on payday (“pay yourself first”).
- Use “buckets” or sinking funds for irregular bills.
Subscriptions auditPay yourself firstSinking funds