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50/30/20 budget calculator
The 50/30/20 method splits take-home pay into three parts: needs, wants and savings. Enter your net pay — the default percentages are that popular method and can be changed. Fill in what you spend now (optional) to see how far you are from the savings target.
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1Inputs
50/30/20 is a popular budgeting method, not financial advice — change the percentages to suit you; they must add up to 100.
2Optional extras
What counts as needs, wants & savings?
Needs are what you must pay to live and work — rent or a home loan instalment, basic food, utilities, transport, insurance and minimum debt payments. Wants are things you could cut back on when needed — eating out, entertainment, subscriptions, new clothes and holidays.
Savings include an emergency fund, retirement savings and investments, as well as debt payments above the minimum.
When do other percentages fit better?
The cost of living differs by city, family size and commitments — if your needs are above the default percentage, change the percentages and see the effect on monthly and yearly savings. What matters is a fixed savings share every month.
In the app, the real average spending of each category from your receipts and receipt-less spending is grouped as needs or wants (you can switch any category), and the suggested limits can be written straight into your category budget limits.
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- 50/30/20 budgetTake-home pay → needs, wants & savings, compared with your spending
- Emergency fundHow many months of spending to keep & how long to get there
Frequently asked questions
Is 50/30/20 worked out on gross or net pay?
On take-home pay — the money that actually reaches your account after EPF, SOCSO, EIS and PCB deductions. If you have steady side income, add it in.
Where do home and car loan instalments go?
Minimum instalments count as needs. Extra payments to clear a loan early can count in the savings share, because they reduce your debt.
Are my numbers stored?
No. The calculation happens in your browser; no numbers are sent or stored.