Walti50/30/20 budget calculator
Enter what you take home each month. See how the 50/30/20 rule splits it, then check it against what you really spend.
What the 50/30/20 rule is
The rule splits your take-home pay three ways: half for things you have to pay, 30% for things you choose, and 20% for your future. It was popularized by Elizabeth Warren and Amelia Warren Tyagi in their book All Your Worth. It works with the money that actually reaches your account, after tax.
On $4,000 a month, that’s $2,000 for needs, $1,200 for wants and $800 for savings. Nothing you type leaves this page.
A starting point, not a verdict
Where rent is high, needs can take far more than half, and that doesn’t mean you’re doing something wrong. Use the split as a reference: if wants are well over 30%, there’s room to move; if needs are, the fix is usually a bigger decision than skipping coffee.
The comparison is only as good as your numbers. Guessing what you spend on wants is where most budgets go off track; see why your budget never works, and the subscription calculator for one of the easiest places to look.
Find out your real split. Walti adds up each category as you go, so you can see where your month actually goes, privately on your iPhone.
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