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Budget

50/30/20 rule

A simple way to arrange a budget: half for the essentials, 30 % for the rest of life, 20 % put aside.

Everything is worked out in your browser: nothing is sent, nothing is kept.

How it is worked out

1

Needs are what cannot be avoided: housing, energy, groceries, transport, insurance, loans. Wants are the rest of life: going out, hobbies, holidays, subscriptions one could do without. Savings include paying a debt off early.

2

It is a guide, not a law. With a high rent, needs often go over 50 %: the idea is then to see where to take a little back.

The formula
Needs= 50 %
Wants= 30 %
Savings= 20 % of the net income

Going further

On the blogA budget in twenty minutes, without a spreadsheetIn fleenPersonalWhat you have left for the month, every day.

Questions

What if my needs go over 50 %?

It is common in cities. Look at the fixed costs one by one: a subscription, an insurance or a phone plan can often be renegotiated.

Income before or after tax?

After: the amount that really reaches the account.

Does it suit a couple?

Yes, on the shared income, or each on their own if the accounts stay separate, as in fleen.

The other calculators

All calculators
What is left to live onWhat remains once the fixed costs are paid.Spread yearly billsWhat to put aside each month for the year.Split a billEqual shares, percentages, shares or fixed amounts.Split by incomeEveryone pays the same share of what they earn.

Your budget,
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