★ TOOL · 50/30/20 BUDGET CALCULATOR · 2026

The 50/30/20 rule. Personalized.

Enter your monthly after-tax income. We split it into Needs (50%), Wants (30%), and Savings/Debt Repayment (20%) — the Elizabeth Warren rule that's the most-recommended budget framework in personal finance. Each category includes example expenses to help you allocate.

50%
NEEDS
$2,750

Rent · groceries · utilities · transportation · insurance · minimum debt payments

30%
WANTS
$1,650

Restaurants · streaming · gym · hobbies · vacations · gifts · entertainment

20%
SAVINGS + DEBT
$1,100

Emergency fund · RRSP/TFSA · debt repayment above minimum · down payment savings