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Monthly Budget Builder

Build a budget you can actually stick to. Enter your income and expenses to get a personalized breakdown and recommendations based on the 50/30/20 rule.

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Step 1 of 2

Your Monthly Numbers

Enter your average monthly amounts. Leave anything at 0 if it doesn’t apply.

Income

Monthly take-home (net) income

$

Needs

Housing (rent / mortgage)

$

Utilities

$

Transportation

$

Groceries / food

$

Insurance

$

Debt payments (min. due)

$

Wants

Subscriptions (streaming, apps, etc.)

$

Personal / entertainment / dining out

$

Other discretionary spending

$

Savings & Extra Debt Payoff

Savings / investments / extra debt payments

$

Your Budget

Your Monthly Budget Breakdown

Monthly Income

—

Total Expenses

—

Left Over

—

50/30/20 Snapshot

The yellow marker shows the recommended target for each group. Bars in red mean you’re over target.

Category Breakdown

Category	Amount	% of Income

Recommendations

This tool provides general budgeting estimates for educational purposes only based on the figures you enter. It is not personalized financial advice. The 50/30/20 framework is a general guideline — your ideal breakdown may vary based on your location, family size, and financial goals.