Free planning tool
50/30/20 budget calculator
See one possible way to divide monthly income between needs, wants, and savings. Use the amounts as a starting point, then adapt them to your life.
Enter your monthly amounts
Use monthly take-home income in euros. Current amounts are optional; leave a field blank if you only want the guideline targets. Results update as you type.
Your amounts stay in this browser page. They are not saved or included in analytics.
Your 50/30/20 guideline
Illustrative example — edit any amount to see the split update.
Needs 50%
€1,500.00
Essential costs, such as housing, groceries, and utilities.
Wants 30%
€900.00
Flexible spending, such as dining out and entertainment.
Savings 20%
€600.00
Money set aside for goals, a buffer, or debt repayment.
The three targets add up to €3,000.00. We round to whole cents and assign any leftover cents so the total still matches your income. This is an optional planning guideline, not a rule or a record of actual spending. Your needs and savings may call for a different split.
Want to make your own plan?
Explore monthly budget planning or create a budget in Spendly Budget. You can enter your amounts there separately.
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