Personal Finance4 min read
The 50/30/20 Rule: Budgeting Made Simple
How the 50/30/20 rule splits your take-home pay into needs, wants, and savings — with worked examples and when it is okay to bend the rule.
Read guideWe use privacy-friendly analytics to learn which calculators help, and nothing loads until you agree. Read our privacy policy.
Free, no signup, no tracking
Over 930 free, no-signup calculators for mortgages, loans, insurance, investing, tax and business. Instant results, clear breakdowns, and plain-English explanations.
The 50/30/20 rule
50/30/20
Monthly income
$4,200
Needs · 50%
$2,100
Wants · 30%
$1,260
Savings · 20%
$840
Run it with your numbers
The ones people open most often.
Split your monthly take-home pay into needs, wants and savings with the 50/30/20 rule, and see exactly where every dollar should go.
Personal FinanceSee how much a larger monthly payment or extra lump sum shortens your debt payoff timeline and cuts total interest.
Personal FinanceProject the size of your retirement corpus from today's savings plus monthly contributions, with an annual step-up option.
Personal FinanceSee how regular contributions and reinvested returns grow into a future value — with an inflation-adjusted view of what it is really worth.
Personal FinanceConvert money across time: what $X today will cost in the future, or what it was worth in the past, under your chosen inflation rate.
Personal FinanceEstimate your federal income tax with progressive brackets, the standard deduction, and your marginal and effective rates.
Personal FinanceSee what your salary actually pays: federal income tax, state tax and FICA come out, and monthly take-home is what goes in your pocket.
Personal FinanceWork out how much term life cover your family actually needs — income replacement plus debts and final costs, minus existing assets.
InsuranceEstimate how much dwelling coverage your home needs by rebuilding cost per square foot, and see the protection buckets that go with it.
InsuranceEstimate your annual car insurance premium from age, experience, vehicle value, mileage, accidents and state cost level.
InsuranceEstimate your renters insurance premium from the value of your belongings, your liability limit and your deductible — and see what each piece actually costs.
InsuranceWork out whether a higher deductible is worth the premium saving: break-even years, the extra cash you must keep on hand, and the expected cost of each option.
Insurance7 topics, each with its own set of calculators and guides.
In-depth guides covering every major financial topic.
personal finance
A comprehensive guide to managing your money, from your first paycheck to financial independence. Includes free calculators for every step.
insurance
A complete guide to insurance: what you need, how much to buy, and how to avoid overpaying for coverage you do not need.
loans mortgage
Everything you need to know about mortgages, auto loans, student loans, and personal borrowing — from comparing rates to paying off early.
investment
From your first index fund to advanced portfolio strategy — everything you need to invest with confidence.
business tax
From profit margins to payroll taxes — practical financial guidance for small business owners, freelancers, and entrepreneurs.
comparison
Stop guessing — learn how to compare financial products head-to-head so you always pick the cheapest, best option.
educational
Financial planning for every major life event — from your first job to retirement, with calculators for each milestone.
How the 50/30/20 rule splits your take-home pay into needs, wants, and savings — with worked examples and when it is okay to bend the rule.
Read guideHow big your emergency fund should be, how to build it in the right order, and where to keep it so it earns interest and stays liquid.
Read guideWhat CPI inflation does to your purchasing power — at 3%, $100 becomes $74 in 10 years and $41 in 30. Real vs nominal returns included.
Read guideReal formulas, not vibes
Every tool uses the published math — amortization, IRR, NPV, progressive tax brackets — so you can audit the numbers.
Open and free
No signup, no paywalls, no saved data. The full URL reflects your inputs so a shared link reproduces the result.
Plain-English explainers
Each tool comes with the formula, a worked example, and the caveats lenders and insurers leave out.