Wellkept

Home · Tools

Free calculator

50/30/20 monthly budget calculator

Split monthly after-tax income into needs, wants, and savings. Keep the usual 50/30/20 rule, or type your own percentages. Optionally add what you actually spent and see the plan next to the month you just had. Nothing is saved or sent anywhere.

Your inputs

Take-home pay for one month, after tax.
Split

Actual spending (optional)

Leave blank if you only want the planned amounts. If you fill these in, the bars compare plan versus actual.

Include transfers to savings or investments if you want this bucket to mean “money put aside.”

This month’s plan

Needs

—

Wants

—

Savings

—

Income

—

Planned split

Needs Wants Savings

Plan versus actual

CategoryPlannedActualDifference

This is an educational calculator only. It is not financial, tax, or investment advice, and it is not a judgment of whether a 50/30/20 split is right for you. Housing costs in some places take more than 50% of take-home pay; treat the percentages as a check, not a grade. Numbers stay in your browser.

Turn this into a monthly workbook — $7 launch price

The Wellkept Budget & Net Worth Tracker keeps income, fixed and variable expenses, and savings transfers for every month, with plan versus actual, a savings rate, and a twelve-month overview. English first, German in the same download. Launch price $7, regular price $14.

Get the tracker for $7 on Gumroad

or buy on Payhip for $7 · or start with the free Life Admin Starter