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50/30/20 Budget Calculator

Split your after-tax income into Needs (essentials), Wants (lifestyle), and Savings/Debt. Start with 50/30/20, or use presets like 60/30/10 when costs are high. Local-only + shareable links.

How to use Examples Disclaimer FAQ

Rule

Enter your after-tax income, pick a preset (or custom ratios), and get instant allocations.
Normalized income (monthly)
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Needs allocation
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Wants allocation
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Savings / Debt allocation
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Ratios used
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ONDO • ondo365
Needs—
Wants—
Savings / Debt—

How to use

  • Enter your after-tax income and choose a pay period.
  • Pick a preset (50/30/20 is the classic), or switch to custom ratios.
  • Use Copy summary to paste into notes, or Save as image (with ONDO watermark).
  • Use Share / Copy link to send the same settings (encoded in the URL).

Privacy & disclaimer

Calculations run locally in your browser. ONDO does not store your income data. If you share a link, your settings may appear in the URL—avoid sharing sensitive numbers.

Read disclaimer
  • This tool is educational and not financial advice.
  • Ratios are guidelines; your real costs may require adjustments.
  • Use a realistic income estimate if pay varies.

FAQ

Should I use gross income or take-home pay?

Use after-tax (take-home) income. That’s the money you actually can allocate.

Where do minimum debt payments go?

Minimum required debt payments are typically treated as Needs. Extra payoff belongs in the 20% bucket.

What if my Needs are already over 50%?

Try a preset like 60/30/10 or set custom ratios. The goal is tracking and gradual improvement.

Do you convert currencies or connect to banks?

No. Currency selection is formatting only, and the tool is local-only.