A budget split.
A place for your money.
Try a template, then adjust it to explore your own priorities.
Your numbers
ILLUSTRATIVE EXAMPLEUSD • Amounts up to $100,000,000.00 (100 million US dollars). Up to 2 decimal places. Valid Indian or international commas are accepted. Rates 0–25%, up to 4 decimals.
Every dollar has a place
USD · International number style
4 thousand US dollars
Your 50/30/20 split allocates all of your monthly take-home income.
Explain this
Each percentage gives a category part of your take-home income. The three percentages must total 100. Fractional cents are distributed fairly by the largest remainders, so the displayed US dollars always add up to your income.
Assumptions in this picture
All scenario amounts use USD. International number style. No currency conversion.
- $4,000.00 monthly take-home income.
- Needs 50%; wants 30%; savings / debt repayment 20%.
- Whole cents allocated by largest remainder, ties: needs, wants, savings/debt repayment.
- Templates are examples; actual costs and payment dates may differ.
View numbers
| Category | Share | Monthly amount |
|---|---|---|
| Needs | 50% | $2,000.00 |
| Wants | 30% | $1,200.00 |
| Savings / debt repayment | 20% | $800.00 |
Printing includes your result and assumptions. Open a comparison, explanation or numbers table to include it.
A picture of one set of assumptions, not a prediction or personal recommendation. See the math behind it.
A template starts a conversation.
USD example. Calculator settings do not convert this article’s amounts.
A $4,000 take-home income with a 50/30/20 split puts $2,000 toward needs, $1,200 toward wants, and $800 toward savings or debt repayment.
Each category gets its percentage of income. Amounts are calculated in cents; any leftover cents go to the largest fractional remainders so the total matches your income.
Read the step-by-step guide →Keep the assumptions in view.
50/30/20 is an example, not a rule. This picture does not know your actual expenses, bill dates, debt terms or irregular income. It does not measure financial health.
Why do I need to make the percentages total 100?
The picture allocates your whole income once. If the total is below or above 100%, it cannot show a complete allocation without leaving money unassigned or assigning money twice.