Budget Planner (50/30/20 Rule)
Enter your monthly take-home pay to see a simple, balanced budget using the 50/30/20 rule — and how much is left to invest.
How the 50/30/20 rule works
The 50/30/20 rule is a simple framework: spend about 50% of your take-home pay on needs, 30% on wants, and put 20% toward saving and investing. It is a starting point, not a straitjacket — adjust the percentages to your situation, but treat the savings slice as a bill you pay yourself first.
The real power is in that 20%. Invested consistently, it compounds. Once your emergency fund is in place, the savings slice is what funds your investing — put it to work using the Five Criteria, and see the long-run effect with our compound interest calculator.
Before you invest a dollar, make sure your foundations are in place — see how large your emergency fund should be.