2026 · live calculation
Paycheck Budget Splitter (50/30/20)
Enter your take-home (net) pay to see a 50/30/20 budget split for needs, wants, and savings/debt payoff.
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Frequently asked questions
What is the 50/30/20 rule?
Roughly 50% of net pay for needs (housing, food, insurance, minimum payments), 30% for wants, 20% for savings and extra debt payoff.
Should I use net or gross pay?
Net (after-tax) take-home pay — the 50/30/20 rule is a budgeting tool, not a tax one.
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