50/30/20 budget calculator
The 50/30/20 rule splits after-tax income: 50% to needs (rent, utilities, groceries, minimum debt payments, insurance), 30% to wants, and 20% to savings and extra debt payoff. It's a starting point. If needs take more than 50%, shrink wants first.
Want the full debt payoff planner?
Spreadsheet with up to 10 debts, snowball/avalanche switch, debt-free date, charts, and printable trackers. Works in Excel and Google Sheets.
Not financial advice. These tools are for planning only. Numbers are illustrative; your lender's statements control.