Needs vs. Wants Calculator

Analyze your monthly spending against the classic 50/30/20 rule to optimize your budget.

Income & Expenses

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Take-home pay after taxes and mandatory deductions.

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Housing, utilities, groceries, insurance, minimum debt payments.

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Dining out, entertainment, hobbies, subscriptions, luxury shopping.

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Investments, emergency fund contributions, extra principal payments.

Budget Analysis

Fill in your details to generate your breakdown.
Needs 0% ($0.00)
Target: 50% max • Ideal: $0.00
Wants 0% ($0.00)
Target: 30% max • Ideal: $0.00
Savings & Debt 0% ($0.00)
Target: 20% min • Ideal: $0.00