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What money do you have coming in?
Enter each source of income and how often you receive it.
Income Source
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The 50/30/20 rule is a simple way to divide your money into three buckets.
50% covers the things you need to live —
30% is for things you enjoy —
and 20% goes toward your future.
It's a powerful starting point, not a rigid rule. Here's what it looks like for you:
Your Total Monthly Income
$0
Needs 50%
$0
Rent, groceries, utilities, transportation, insurance
Wants 30%
$0
Dining out, entertainment, subscriptions, hobbies
Savings 20%
$0
Emergency fund, debt payoff, investments, future goals
Needs costing more than half? Try a different split.
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New to budgeting?
All articles →Four short guides that explain the basics — no jargon, no judgment.
Budgeting Basics
What is the 50/30/20 Rule?
The whole framework in plain English — three buckets, no spreadsheet, about two minutes to understand.
6 min read →
Money Basics
What is Take-Home Pay?
Your salary isn't the number to budget from. Here's the one that is — and why the gap matters.
5 min read →
Financial Wellness
How to Stop Living Paycheck to Paycheck
It's not a willpower problem. A five-step system for building breathing room into your month.
7 min read →
Debt & Savings
How to Pay Off Debt While Still Saving
You don't have to pick one. The order that lets you do both without stalling out on either.
6 min read →
You don't have to be a dummy with your money.