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Budget Estimator

Enter your income and expenses to see your monthly budget breakdown, savings rate, spending by category, and personalized financial health tips.

50/30/20 rule · Donut chart · Category breakdown · Savings projection · Financial health score

Monthly Income

Enter all sources of monthly take-home income

Monthly Expenses

Enter all recurring monthly expenses by category

Savings Goal

Optional — set a monthly savings target

Live Snapshot
$0
monthly net
Income$0
Expenses$0
Savings rate0%
Goal progress—
50/30/20 Rule
50% — Needs
Housing, utilities, groceries, transportation, insurance, minimum debt payments
30% — Wants
Dining out, entertainment, subscriptions, hobbies, shopping
20% — Savings & Debt
Emergency fund, retirement, investments, extra debt payments
Savings Rate Benchmarks
Below 5%At risk
5–10%Minimal
10–15%Adequate
15–20%Good
20–30%Strong
30%+Excellent
Emergency Fund Guide
Aim for 3–6 months of essential expenses in liquid savings before investing.
Freelancers and self-employed: aim for 6–12 months due to income variability.