50/30/20 Budget Calculator

Cómo se calcula

50% necesidades + 30% deseos + 20% ahorro = 100% ingreso neto.

Cómo usarla

1. Net income. After tax.
2. Adjust % (optional). Calculator renormalizes to 100%.
3. Apply. Each bucket is a monthly ceiling.

Preguntas frecuentes

Needs?

Housing, basic food, work transport, utilities baseline, insurance, minimum debt payments.

Wants?

Dining out, streaming, optional travel, hobbies, unnecessary subscriptions.

Why only 20% saving?

Minimum recommended. If you can, raise to 30–40% and lower wants.

Variable income?

Compute on a 6-month rolling average, not peak month.