All tools
Budget planner
A monthly budget over your take-home pay: 50/30/20, zero-based or envelopes, with where the money goes drawn. Free, with no account or uploads.
How do you want to budget?
Split it 50/30/20Best for mostNeeds, wants, savingsHalf for needs, 30% for wants and 20% for savings and debt.Give every unit a jobZero-basedList what each part of your pay is for, until nothing is left over.EnvelopesA limit eachA set amount for each kind of spending, and what is left in each.
After tax: the page works out no tax.
Of $3,000.00 take-home pay
$1,500.00 needs · $900.00 wants · $600.00 savings and debt
Half for needs, 30% for wants and 20% for savings and paying debt, as Elizabeth Warren and Amelia Warren Tyagi set it out in All Your Worth (2005).
- Needs$1,500.00 (50%)
- Wants$900.00 (30%)
- Savings and debt$600.00 (20%)
This is arithmetic on the numbers you type, not financial advice. Rates, fees and rules differ by lender and place. Worked out in your browser; nothing you type is sent anywhere or kept.
A little help along the way
Follow these steps. Every option is explained underneath. Everything runs in your browser; nothing is sent anywhere.
- Choose a way to budget50/30/20, every unit given a job, or envelopes.
- Type your take-home payAfter tax: the page works out no tax.
- List what it is forOne line each, with amounts; envelopes take what you have spent too.
- Read where it goesIn words first, with a bar for each part.
Every option explained
- 50/30/20
- Needs, wants, and savings and debt, as Elizabeth Warren and Amelia Warren Tyagi set it out in All Your Worth (2005).
- Zero-based
- Every part of the pay is given a job until nothing is left over.
- Envelopes
- A set amount for each kind of spending, and what is left in each.
- Not advice
- This is arithmetic on the numbers you type, not financial advice. Rates, fees and rules differ by lender and place.