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50/30/20 Budget Planner

Enter your net salary and adjust the percentages for needs, wants and savings. Instantly visualise how every euro is distributed.

NeedsHousing, food, transport, insurance, utilities
50%
1000€/month12000€/year
WantsLeisure, dining out, subscriptions, treats
30%
600€/month7200€/year
Savings & investmentEmergency fund, investing, extra debt payments
20%
400€/month4800€/year
Total assigned: 100%✓ Balanced
1000€Needs (50%)
600€Wants (30%)
400€Savings & investment (20%)
4800€Savings & investment/year

What is the 50/30/20 rule?

It's a budgeting method popularised by Elizabeth Warren. The idea is simple: allocate 50% of your net income to basic needs, 30% to wants and 20% to savings and investment.

It's not a rigid law — it's a starting point. If you can save more than 20%, even better. If your needs exceed 50%, the goal is to work on reducing them over time. What matters is having a framework that gives structure to your financial decisions.

Use the sliders to adjust the percentages to your reality and see the monthly and annual impact of each distribution.

Tip: Start by tracking your real expenses for a month. Then use this tool to compare your actual distribution with the ideal one and find the easiest adjustments to implement.