A budget that adds up.
Three ways to plan a month over your take-home pay: 50/30/20, giving every unit a job, and envelopes, each drawn and adding up exactly.
By Suraj Kumar3 min read
A budget is a plan for your pay before it is spent. Here are three ways to make one.
Three ways.
50/30/20 splits pay into needs, wants and savings; a zero-based budget gives every part of the pay a job; envelopes set an amount for each kind of spending.
Take-home pay.
Start from what you are paid after tax; the page works out no tax, which differs by place and changes every year.
Yours to decide.
The page does the arithmetic and draws where the money goes; how to split your pay is yours to decide.
Further reading
Topics: budget planner · monthly budget · budget calculator · household budget · budgeting methods
A little less theory. A little more doing.
Try it on your own terms, with a free browser tool.
Try the tool