Practical money + home guides — dimes and dwellingsNew edition · September 2026
September 29, 2026Dime & DwellMONEY FIRST · HOME SECOND
← Back to home
Money tool

50/30/20 Budget Calculator

Turn your monthly take-home pay into three guideposts, then compare them with what you actually spend and save.

Start with take-home income

Use the amount that reaches your accounts each month after taxes and payroll deductions.

Needs50% · essentials
Guidepost—
Wants30% · flexible
Guidepost—
Savings20% · savings + extra debt
Guidepost—