Budget Calculator
Free budget calculator using the 50/30/20 rule, zero-based budgeting, and more. Calculate needs, wants, and savings allocations from your income.
$
$2,500
50% of income
$1,500
30% of income
$1,000
20% of income
Needs
Wants
Save
Suggested Allocation
Needs (50%)
- • Housing: $1,375
- • Utilities: $250
- • Groceries: $375
- • Transportation: $300
- • Insurance: $200
Wants (30%)
- • Entertainment: $450
- • Dining Out: $375
- • Shopping: $375
- • Subscriptions: $150
- • Hobbies: $150
Savings (20%)
- • Emergency Fund: $300
- • Retirement: $500
- • Goals: $200
Sample Monthly Budgets by Income
| Income | Housing | Food | Transport | Entertainment | Savings |
|---|---|---|---|---|---|
| $3,000 | $900 | $300 | $200 | $100 | $200 |
| $5,000 | $1,500 | $400 | $300 | $200 | $500 |
| $7,500 | $2,000 | $500 | $400 | $400 | $1,000 |
| $10,000 | $2,500 | $600 | $500 | $600 | $1,500 |
Budget Method Guide
50/30/20 Rule: 50% needs, 30% wants, 20% savings. Simple and balanced.
70/20/10 Rule: 70% living expenses, 20% savings, 10% debt/giving. More conservative.
Zero-Based: Every dollar has a job. Income minus expenses equals zero.
Envelope System: Cash in envelopes for each category. Great for overspenders.
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