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💰 Budget Calculator
The 50/30/20 rule: a simple, proven framework to take control of your money. From Micro Moves, Macro Gains, Chapter 2.
📖 From the book: Get the full budgeting chapter + all tools free with code MMMS2026 at checkout. Learn more →
$/mo
$1,000$20,000
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Needs (50%)
Rent, groceries, utilities, insurance, minimums
$2,500
🎮
Wants (30%)
Dining out, subscriptions, hobbies, entertainment
$1,500
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Savings & Debt (20%)
401(k), IRA, emergency fund, extra debt payments
$1,000
How are you actually spending?
Enter your real monthly spending to see where you stand vs. the 50/30/20 rule.
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💡 50/30/20 Quick Tips
- Needs:If your needs exceed 50%, look at housing first. Rent should be ≤ 30% of take-home. Consider roommates, refinancing, or relocating.
- Wants:Wants aren't bad — they're the reward for working. But audit subscriptions every 6 months. You're probably paying for 3-4 things you forgot about.
- Savings:Pay yourself first. Set up auto-transfer on payday. Your future self will thank you. Even $1,000 per month invested at 7% for 20 years = $1,644,017,436,761,231.