Free Tool
Your 50/30/20 budget, in seconds
Enter your monthly take-home pay and instantly see how much should go to needs, wants, and savings — then grab a ready-made AI prompt to turn it into a full plan.
What goes where
Needs — rent, utilities, groceries, transport, minimum debt payments, insurance.
Wants — dining out, subscriptions, travel, shopping, hobbies.
Savings — emergency fund, investing, extra debt payoff.
50% · $2,000 Needs
30% · $1,200 Wants
20% · $800 Savings
Needs (must-haves)
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Wants (lifestyle)
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Savings & debt payoff
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Aim to put — toward savings and debt every month. See what low fees do to that over time →
⚡ Your ready-made ChatGPT prompt
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The 50/30/20 rule is a popular guideline, not a one-size-fits-all answer — adjust the split to your real costs. Educational only; this is not financial advice.