50/30/20 Budget Calculator
Split monthly take-home pay into needs, wants, and savings using a simple starting framework.
Build a budget →Free money tools
Budgeting calculators for real-life decisions.
Turn income, goals, and debt balances into a practical starting plan. These calculators run in your browser and require no account.
Savings Goal Calculator
Calculate how much to save each month to reach a target after accounting for what you already have.
Plan a goal →Debt Payoff Calculator
Estimate payoff time, total interest, and the full cost of a debt based on a monthly payment.
Estimate payoff →From estimate to habit
A calculator gives you a target. A budget makes room for it.
Use the result as a starting point, then compare it with rent, groceries, transportation, irregular bills, and the goals that matter most. A workable plan can differ from a textbook ratio.
Use your result well
- Use after-tax income
- Include irregular annual expenses
- Leave a margin for surprises
- Review the plan every month
Put the number into a monthly plan.
Budgeteer connects category budgets, expenses, accounts, and goals on iPhone and iPad.