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Budget Planner
Enter your income and monthly expenses to see your savings rate, surplus, and 50/30/20 breakdown.
Monthly Income (take-home / after tax)
Primary Salary
$
Side Income / Freelance
$
Other Income
$
Total Monthly Income: $5,000
Housing
$250Rent / Mortgage
Utilities
Internet
Phone
Food & Drink
$350Groceries
Dining Out
Coffee / Takeaway
Transport
$100Car Payment
Fuel
Car Insurance
Public Transit
Health
$60Health Insurance
Gym
Prescriptions
Personal
$105Clothing
Haircut
Personal Care
Entertainment
$110Streaming
Hobbies
Subscriptions
Savings & Debt
$250Emergency Fund
Investments
Debt Repayment
Other
$70Gifts
Holidays / Travel
Misc
Monthly Income
$5,000
take-home pay
Total Expenses
$1,295
26% of income
Surplus
$3,705
✅ on track
50 / 30 / 20 Budget Rule
The 50/30/20 rule suggests spending 50% on needs, 30% on wants, and saving 20%. See how your budget compares.
Needs (50%)$410
8%
Wants (30%)$565
11%
Savings (20%)$320
6%
Spending by Category
🏠 Housing$2505%
🍽️ Food & Drink$3507%
🚗 Transport$1002%
💊 Health$601%
👤 Personal$1052%
🎬 Entertainment$1102%
💰 Savings & Debt$2505%
📦 Other$701%
Disclaimer: This planner is for educational purposes only. Financial situations vary — consult a qualified financial adviser for personalised guidance.