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Budget analyzer
Where your money actually goes each month, measured against the 50/30/20 guide — and what is left when everything is accounted for.
Your month
50% needs, 30% wants, 20% savings is a guide, not a law — in expensive housing markets the needs share is often higher through no fault of the budget.
After tax — what actually lands in your account.
Expenses
Rent/Mortgage
$1,500 · Housing
Car payment
$400 · Transportation
Groceries
$500 · Food
Utilities
$300 · Utilities
Health insurance
$200 · Healthcare
Student loan
$350 · Debt payments
Dining out
$300 · Entertainment
401k contribution
$500 · Savings
Left over each month
$950
$5,000 in, $4,050 out.
Needs — $3,250Above the guide
0.0%100.0%
Wants — $300At or under the 30% guide
0.0%100.0%
Savings — $500Approaching the guide
0.0%100.0%
Biggest categories
Housing — 30% of income$1,500
Food — 10% of income$500
Savings — 10% of income$500
Transportation — 8% of income$400
Debt payments — 7% of income$350
Against the guide
- Needs are 65% — $750 above the 50% mark. Housing and transport are usually the only two big enough to move.
- Savings are 10%. Reaching 20% means $500 more a month.
Add an expense
Found room in the budget? Put it against debt or see what it compounds into.