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.
Your details
Enter what you know. Results update live.
Your Pay
Your split
No account required · 2026 rates
Estimated result · 2026 rates
Calculations run in your browser. Optional AI explanations send your breakdown only when requested. Copy summary copies plain text; it never creates a financial-data URL.
Know what changes your take-home pay
Official tax and wage changes, explained with practical paycheck examples and a tool to check your own situation. No spam; unsubscribe anytime.
By subscribing, you agree to our privacy policy.
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.