50/30/20 calculator
Enter your take-home pay and see how much goes to each block. If your rent doesn't fit, adjust the percentages.
An estimate based on the figures you enter; not financial advice.
Bring these numbers into your everyday life
MonVault sorts your spending and tells you each month how much went to each block, no spreadsheets needed.
What is the 50/30/20 rule?
It is a simple way to split your take-home pay: half for essentials, 30% for things you enjoy and 20% for saving or paying off debt. It is a starting point, not a strict rule.
If you live in an expensive city and rent takes a lot, try 60/25/15 or 65/25/10. What matters is that savings are not zero and that you set them aside on payday.
📖 Learn more: The 50/30/20 rule: how to adapt it to your real income
Frequently asked questions
Is it based on gross or net pay?
On net pay: what reaches your account after tax and deductions. If you get bonuses, add their monthly share or treat them as extra savings.
Does debt go under needs or savings?
The minimum payment goes under needs, because you have to pay it no matter what. Anything extra you pay to clear it sooner counts as savings.
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