Home › Calculators › Budget Calculator (50/30/20)
Enter your monthly take-home pay and see the popular 50/30/20 split: 50% for needs, 30% for wants, 20% for savings and debt payoff — with a weekly view of the needs budget.
Half your pay covers needs (rent, food, transport, minimum debt payments), 30% is guilt-free wants, and 20% builds the future (emergency fund, investing, extra debt payments).
In expensive cities, needs can swallow 60–70% — the rule is a starting target, not a law. The real win is making the savings slice automatic: pay yourself first on payday.
A budgeting guideline: 50% of take-home pay to needs, 30% to wants, 20% to savings and debt repayment.
Needs keep life running — housing, food, transport, insurance, minimum payments. Wants are everything else, from dining out to upgrades.
Age Calculator — Your exact age in years, months and days — plus days lived and next birthday.
BMI Calculator — Body Mass Index with WHO weight categories — metric or imperial.
Mortgage Calculator — Monthly payment, total interest and payoff date for any home loan.
Loan EMI Calculator — EMI, total interest and total payable for car, personal and home loans.
Compound Interest Calculator — See what your money becomes — compound growth at any frequency.
Fraction Calculator — Add, subtract, multiply and divide fractions — mixed numbers welcome.
Fraction, Decimal & Percent Converter — Any one form in — all three forms out, fractions properly simplified.
Body Fat Calculator — US Navy tape-measure method — body fat % from a few measurements.
Weight Loss Calculator — A realistic weekly plan — weight to lose, daily deficit, target date.
Decimal Calculator — Exact decimal arithmetic — no 0.30000000000000004 surprises.
Calorie Calculator — Daily calorie needs from the Mifflin-St Jeor equation.
Recurring Deposit Calculator — RD maturity value with quarterly compounding, the bank way.
Percentage Calculator — X% of Y, X as a % of Y, and percent change — three tools in one.
Variance & Statistics Calculator — Mean, median, mode, variance and standard deviation in one paste.
Ratio Calculator — Simplify ratios and solve for the missing part.
Prime Number Calculator — Is it prime? Prime factors and full prime lists up to a million.
Target Heart Rate Calculator — Karvonen training zones from your age and resting heart rate.
Savings Calculator — What monthly savings become — future value with compound growth.
Date Calculator — Add or subtract days from any date, and find the days between two dates.
Corrected Calcium Calculator — Correct total calcium for low albumin — the standard bedside formula.
A1C to Average Glucose Calculator — Convert HbA1c % into estimated average glucose (eAG) — mg/dL and mmol/L.