How this calculator works
The 50/30/20 rule puts 50% of after-tax income toward needs, 30% toward wants and 20% toward savings and extra debt payments. Enter what you spend now to see where you're over or under each target.
Worked example
With the example values below: Your 50/30/20 budget, $2,600 · $1,560 · $1,040 (needs · wants · savings). Change any number above to run your own.
What you enter
| Input | Example |
|---|---|
| Monthly take-home pay | $5,200 |
| What you spend now (optional) | |
| Needs | $2,900 |
| Wants | $1,200 |
| Savings & extra debt payments | $600 |
Grow what this calculator projects.
TruthSayer AI sends quantitative stock signals across valuations, earnings and dark-pool activity, each one traded in its own funded account first.
Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.