50/30/20 Budget Calculator - Free Zero-Based Cash Flow Planner

Personal Budgeting & Net Worth

50/30/20 Budget & Zero-Based Cash Flow Calculator

Enter your income and categorized expenses to see real-time surplus tracking, 50/30/20 variance analysis, and long-term growth projections.

Income

Primary net take-home pay$Side hustle / investment income$

Needs (Target 50%)

Housing$Utilities$Groceries$Transport$Insurance$

Wants (Target 30%)

Dining$Entertainment$Shopping$Subscriptions$

Savings & Debt (Target 20%)

401k Contribution$Emergency Fund$Extra Debt Payoff$

Total Income

$5,600.00

Unallocated

$1,150.00

Surplus

Live Distribution

Needs62.2%

Wants17.5%

Savings/Debt20.2%

50/30/20 Target vs Actual

Needs

49.5%vs 50%-0.5%

Wants

13.9%vs 30%-16.1%

Savings/Debt

16.1%vs 20%-3.9%

Emergency Fund Buffer Recommendation

Based on your monthly Needs spending (3-6 months)

$8,310.00to$16,620.00

10-Year Growth Projection (7% avg return)

$156,685.02

If current savings/debt allocation is invested monthly

Results are estimates for informational purposes only and do not constitute financial, investment, tax, or legal advice. Actual values may vary based on market conditions, fees, and individual circumstances. See our Financial Disclaimer for details.

Frequently Asked Questions

The 50/30/20 rule allocates 50% of take-home pay to Needs (housing, groceries, utilities), 30% to Wants (dining, entertainment, shopping), and 20% to Savings & Debt Payoff (retirement, emergency fund, extra debt principal).