50/30/20 budget calculator

Split your monthly income by the 50/30/20 rule: needs, wants and savings/debt.

Needs (50%)

$2,000.00

Wants (30%)$1,200.00

Savings & debt (20%)$800.00

50% for needs (housing, bills, food), 30% for wants (leisure, subscriptions) and 20% to save and pay off debt. Adjust the percentages to your reality.

Guide The 50/30/20 budget rule Quiz · MoneyMojisThe numbers add up — but how do you spend? Find your money personality.

How the calculation works

The 50/30/20 rule is the simplest way to organize money without a spreadsheet: split your net income (take-home pay) into three buckets.

50% needs: housing, bills, food, transport, health.
30% wants: leisure, dining, subscriptions, travel.
20% future: saving, investing and paying off debt above the minimum.

Step-by-step example (income of R$4,000)

Needs: 4,000 × 0.50 = R$2,000
Wants: 4,000 × 0.30 = R$1,200
Future: 4,000 × 0.20 = R$800

When it doesn't fit

If needs exceed 50%, cut fixed costs — housing is usually the biggest. If there's slack, raise the 20%.

Examples

Income R$3,000: R$1,500 needs, R$900 wants, R$600 future.
Income R$8,000: R$4,000 / R$2,400 / R$1,600 — higher earners can aim above 20%.

Frequently asked questions

Does the rule fit any income?

It is a guide. On lower incomes needs weigh more; on higher ones you can save well above 20%. Use it as a reference, not a law.

Which bucket is debt?

Minimum payments are needs; extra payoff effort is part of the 20% (building your future).

Gross or net income?

Net — what actually lands in your account, after taxes and deductions.

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Updated on June 30, 2026 · by Rafael Rossi · Methodology & sources