Free interactive tool
Budget Split Calculator
Divide one income into essentials, wants, and savings — and keep the bar from overflowing.
Divide one income into a plan that survives
Move the sliders and keep the leftover above zero — the bar shows where every unit of income goes.
A budget is a set of percentages wearing money as a costume. When the bar overflows, the plan — not the month — was the problem.
- Push essentials past 70% and see what remains for everything else.
- Find a split that saves 20% while the leftover stays positive.
A budget is a set of percentages wearing money as a costume. The classic 50/30/20 rule — essentials, wants, savings — is a starting shape, and the sliders let you bend it to your real rent and real goals.
When the categories promise more than 100%, the bar shows the overflow immediately: the plan, not the month, was the problem.
Is 50/30/20 realistic everywhere?
In high-rent cities essentials often exceed 50% — keep the savings slice non-zero and shrink wants first.
What counts as an essential?
Anything with a consequence for missing it: housing, utilities, groceries, transport, minimum debt payments.