Enter your monthly take-home income and all expenses to see exactly how your budget maps to the 50/30/20 framework — with a color-coded pass/fail status for each category.
The 50/30/20 rule uses after-tax take-home pay — not gross salary. A common mistake is budgeting from gross income, which makes the numbers look achievable when they aren't. In high cost-of-living areas, needs alone can exceed 50% — in that case, reduce Wants to stay at 20%+ savings, treating the housing premium as a forced allocation from the Wants bucket.