📊 Monthly Budget Planner

Build a realistic budget using the 50/30/20 rule. Enter your income and expenses to see an instant visual breakdown.

✏️
Your Budget
$
🏠 Needs (50%)
🏠 Housing/Rent
🚗 Transport
🛒 Groceries
⚡ Utilities
🏥 Health/Insurance
🎭 Wants (30%)
🍽️ Dining Out
🎬 Entertainment
👗 Shopping
📱 Subscriptions
💰 Savings (20%)
🛡️ Emergency Fund
📈 Investments
💳 Debt Payments
📊
Budget Summary
Monthly Surplus / Deficit
Total Income
🏠 Needs Total
🎭 Wants Total
💰 Savings Total
50/30/20 Alignment
Budget Used

50% → Needs (rent, food, utilities, transport)
30% → Wants (dining, fun, shopping)
20% → Savings (emergency fund, investing, debt payoff)

This framework, popularised by Senator Elizabeth Warren, is a simple starting point — not a rigid law. High cost-of-living cities may push Needs to 60%, and that's okay. The goal is awareness, not perfection.