A simple framework: 50% on needs, 30% on wants, 20% on savings and debt. Adjust the percentages to fit your reality.
Your Income
€
Adjust the Split
The classic rule is 50/30/20, but you can shift the percentages. They must add up to 100%.
%
%
%
Monthly income
€0
Your Allocation
Needs · 50%
Rent, groceries, utilities, transport
€0
Wants · 30%
Dining, hobbies, subscriptions, travel
€0
Savings & Debt · 20%
Emergency fund, investments, extra debt payments
€0
A quick note
The 50/30/20 rule is a starting point, not a law. If you live in an expensive city, "needs" might already be 60% or more, and that's fine. It just means you have less for the other categories. The point is awareness, not perfection.
Educational tool only. This calculator is a budgeting framework, not personalized financial advice. Your situation may require a different allocation.