Paycheck budget planner (50/30/20)

Split take-home pay into needs, wants and savings with suggested budgets

Calendar & Budget Inputs not saved No install or sign-up
won
Split your month like this
Category (same names as the budget book)Suggested monthly budgetRatio
Open budget book

What to check next
  1. BudgetLog by pasting card texts, yearly budget and Excel export
  2. Take-home pay calculatorYour after-tax monthly pay with 2026 social insurance rates
  3. Deposit & savings interest calculatorMaturity amount and after-tax interest for deposits and installment savings
Official agencies

The 50/30/20 rule

Spend 50% of after-tax income on needs (housing, food, transport, phone, insurance), 30% on wants (dining out, shopping, leisure) and 20% on savings and investing. If rent is a big share, adjust to 60/20/20; to build seed money fast, try 40/20/40.

How to use it

  1. Check your monthly take-home pay with the take-home pay calculator
  2. Choose a split and household type here
  3. "Use as budget book budgets" → log for a month in the budget book

FAQ

Is 20% savings too hard?

At first, even 10% — what matters is setting aside savings first with an automatic transfer on payday. Registering your savings as a fixed expense in the budget book makes it easy.

Related tools

Work calendarDrag events to reschedule and print to any paper sizeD-day calculatorD-day, days between two dates and 100-day anniversaries