50/30/20 Budget Calculator
The 50/30/20 rule splits your monthly take-home income into three buckets: 50% for needs (rent, bills, groceries, transport, minimum debt payments), 30% for wants (dining out, subscriptions, travel), and 20% for savings and extra debt payoff. Enter your income below to see the exact amounts in your currency.
After tax — the amount that actually lands in your account.
Tika tracks each account in its own currency, with no invented FX conversions.
Enter your monthly take-home income to see your 50/30/20 split.
Is the 50/30/20 rule realistic?
It is a starting point, not a law. In high-rent cities, needs often exceed 50% — shift the percentages to fit reality, but keep saving something every month even if it is below 20%.
Should I use gross or net income?
Use net (take-home) income — what lands in your account after tax and deductions. Budgeting on gross income overstates what you can actually spend.
Related guides
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