Loans, mortgages, debt, insurance, retirement, scams — type your problem, get a straight answer in seconds. The full detailed report costs less than a cup of coffee: $2.95.
Most budgets die by February because they demand perfection from imperfect humans. The version that survives is simple, automatic and honest about fun: the 50/30/20 method splits after-tax income into needs, wants and savings, and — crucially — gives you permission to spend the wants third without guilt. This calculator applies the split to your real income and spending categories, then shows the unallocated gap that tells you whether the numbers actually add up.
personalised budget
Spend 50% of after-tax income on needs, 30% on wants, and save 20% — a simple structure that beats complex spreadsheets because it survives real life.
Needs keep you housed, fed and working (rent, groceries, transport, minimum debt). Wants are everything else — including the upgraded version of a need.
Probably over-restricting: budgets that ban all fun fail. Budget for fun explicitly, automate savings on payday, and review weekly instead of daily.
Every tool answers instantly from our own knowledge and calculators. Want the deeper, personalised version? Each has a $2.95 full report.