Calculators
Build a budget you will actually use
Map your income, your needs, your wants, and what you save. As you type, see how close you are to the 50/30/20 rule and how much is left over each month. Free, no login.
Tip: enter your average monthly amounts. For yearly costs (like insurance or property tax), divide by 12. Edit any label, or use the × to remove a line you do not need.
Monthly income
What comes in each month after taxes. Include allowance, financial aid, or support if they apply.
Needs
The essentials: housing, utilities, groceries, transportation, insurance, minimum debt payments.
Wants
The nice-to-haves: dining out, subscriptions, travel, hobbies, and everything that makes life fun.
Savings & debt payoff
Money toward your future: savings, retirement, investing, and extra payments beyond the minimums.
Want a version you can save and revisit? Make your own copy of the spreadsheet ↗
The 50/30/20 rule
A simple starting point: aim for about 50% of your take-home toward needs, 30% toward wants, and 20% toward savings and debt payoff. It is a guide, not a rule. The point is to see where your money actually goes and make sure every dollar has a job.
Ready to think about a home?
Once you know your monthly numbers, see the home price your budget supports.