Budget Calculator
Split your monthly income across needs, wants, and savings using a simple percentage-based budget.
The needs / wants / savings split behind this tool
This follows the common 50/30/20 style framework — roughly half of income to needs, a third to wants, the rest to savings and debt paydown. The exact ratio that fits varies by regional cost of living, so treat it as a starting point, not a rule.
What a balanced budget on paper can still miss
Irregular annual expenses — insurance premiums, car maintenance, holiday spending — often get left out of a monthly view entirely and then blow up a "balanced" budget when they land. Irregular income (freelance, commission) makes a buffer month more important than the split itself.