Budget Calculator and Personal Finance Tools
Plan your money in one place. List your income and expenses to see what is left each month and how your spending compares with the 50/30/20 rule. Then work out your net worth, how much to save each month for a goal, and how big your emergency fund should be. Works in any currency and nothing leaves your browser.
Free · No sign-up
Results are estimates for planning only and are not financial advice.
How to use it
- Pick a calculator: monthly budget, net worth, savings goal or emergency fund, and choose your currency.
- For a budget, enter your take-home income and every expense, and mark each expense as a need, a want or saving. Example lines are filled in; replace them with your own.
- Read what is left over and how your needs, wants and savings compare with the 50/30/20 rule (or 60/20/20 or 70/20/10).
- Use the other calculators to total your net worth, plan a savings goal and size your emergency fund. Copy, download as CSV or print the results.
Why use this tool
50/30/20 budget check
See at a glance whether needs, wants and savings are on target, and by how much, with 60/20/20 and 70/20/10 options too.
Net worth calculator
Add up savings, investments, pension, home and car, subtract loans and cards, and see your debt-to-asset ratio.
Savings goal planner
Find the monthly amount for a goal by a date, or how long your current saving will take, including interest.
Emergency fund calculator
Size a 3- to 12-month safety net from your essential costs, and see when you will reach it.
Any currency
Dollars, euros, pounds, rupees, yen and 25 more, formatted the way your country writes money.
Private and saved
No account and no bank link. Your numbers stay in this browser so you can update them next month.
How to make a budget in 4 steps
1. Add up your monthly take-home pay, after tax and deductions. If your income varies, use your lowest normal month. 2. List every expense. Check your last two or three bank and card statements so nothing is missed, and turn yearly bills into monthly amounts by dividing by 12. 3. Sort each expense into needs, wants and savings. 4. Give every unit of money a job: if money is left over, move it to savings or debt; if you are short, cut wants first.
Review the budget once a month. Most people overspend on food, subscriptions and small purchases, so these are the easiest places to start.
The 50/30/20 rule explained
The 50/30/20 rule, made popular by US Senator Elizabeth Warren, splits take-home pay into 50% for needs, 30% for wants and 20% for savings and extra debt repayments. It is a simple starting point, not a law. In expensive cities, rent alone can take 40% or more of income, so 60/20/20 or 70/20/10 may be more realistic.
| Rule | Needs | Wants | Savings and debt | Best for |
|---|---|---|---|---|
| 50/30/20 | 50 % | 30 % | 20 % | Most households |
| 60/20/20 | 60 % | 20 % | 20 % | High rent or cost of living |
| 70/20/10 | 70 % | 20 % | 10 % | Tight budgets, starting out |
Net worth, savings goals and emergency funds
Net worth is everything you own minus everything you owe. It can be negative early in your career, for example with a student loan; what matters is that it rises over time. Track it once or twice a year.
An emergency fund covers essential costs if you lose your income or face a large unexpected bill. Most advisers suggest 3 to 6 months of essential expenses in an easy-access savings account, and more if your income is irregular. Build it before investing, after paying off any high-interest debt such as credit cards.
Frequently asked questions
How much should I budget for each category?
Start with the 50/30/20 rule: 50% of take-home pay for needs, 30% for wants and 20% for savings and debt. The calculator shows how far each part is from its target.
Should I use income before or after tax?
After tax: the money that actually reaches your bank account. If pension or health insurance is taken from your pay, it is already counted as saving or a need.
Are debt payments needs or savings?
Minimum payments on loans and cards are needs. Anything you pay above the minimum counts as savings and debt, because it improves your net worth.
How much should I have in an emergency fund?
Usually 3 to 6 months of essential expenses: housing, food, utilities, transport, insurance and minimum debt payments. Aim for 9 to 12 months if you are self-employed or the only earner.
What is a good net worth?
It depends on age and income. A common guide is to aim for a net worth equal to your yearly income by your 30s, growing to several times your income by retirement. Compare yourself with your own past numbers rather than with others.
Does the savings goal include interest?
Yes. Enter the yearly interest rate of your savings account and the calculator compounds it monthly. Leave it at 0 to ignore interest.
Is my financial data safe?
Yes. There is no sign-up and no bank connection. Everything is calculated in your browser and kept only on this device; Start over clears it.
How to budget: a simple plan that works
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