How to use the Budget Calculator (50/30/20 Rule)
Fill in the fields on the left. Results, charts and the breakdown update instantly as you type or move a slider. Pick your country at the top of the page to switch currency.
Formula
Frequently asked questions
What counts as a need?
Housing, utilities, groceries, insurance, transport to work and minimum debt payments.
What if my needs are more than 50%?
Common in high-cost cities. Trim wants first, and keep saving something every month.
Cite or link to this calculator
Using this calculator in an article, report or assignment? You can cite it like this:
CalcKite. (2026). Budget Calculator (50/30/20 Rule) [Online calculator]. https://www.calckite.com/budget-calculator/
Or add a link to it from your website or blog:
<a href="https://www.calckite.com/budget-calculator/">Budget Calculator (50/30/20 Rule)</a> by CalcKiteAdd this calculator to your website — free
Bloggers, schools, agents and businesses can embed the Budget Calculator (50/30/20 Rule) on their own pages. Copy the code below and paste it into your page's HTML. The calculator resizes itself to fit, and works on phones.
Free to use — please keep the credit link under the calculator. Browse all free calculators for your website.
Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.