Budget Allocation Calculator

See exactly where your money goes — and how it stacks up against proven frameworks.

Your Income

$
Before taxes and deductions
$
After all taxes and deductions
$1,500
Taxes & Deductions
25.0%
Effective Rate
$2,250
50% Needs Target
$1,350
30% Wants Target
$900
20% Savings Target

Needs Target: 50%

$
Rent / mortgage / HOA
$
Electric, water, gas, internet, phone
$
$
Car payment, gas, insurance
$
Insurance premiums, copays, prescriptions
$
Minimum required payments only
$
$

Wants Target: 30%

$
$
Movies, events, sports, games
$
$
Monthly average (annual ÷ 12)
$
Streaming, gym, apps, etc.
$
Haircuts, cosmetics, self-care
$
Monthly average
$

Savings & Debt Payoff Target: 20%

$
401k, IRA contributions
$
$
Brokerage, index funds, crypto
$
Above minimum payments
$
House down payment, car, etc.
$