Free tool

Budget Calculator

Two modes: check how your current spending breaks down, or apply the 50/30/20 rule to see exactly where your money should go.

Enter your monthly income and expenses to see how your spending breaks down — and where you stand against healthy budget benchmarks.

Income

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Needs

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Wants

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Savings & Debt Payoff

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Your budget breakdown

Fill in your numbers to see your breakdown.

Go deeper

Learn the budgeting basics

Understanding the 50/30/20 rule in full — including how to handle an emergency fund and the power of saving early.

Read the Budgeting lesson