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A budget calculator helps you plan how to allocate your income across spending categories. The most widely used framework is the 50/30/20 rule: 50% of after-tax income to needs, 30% to wants, and 20% to savings and debt repayment.

Trinn-for-trinn guide

1. 1Calculate your monthly after-tax (take-home) income
2. 2List all monthly expenses by category
3. 3Subtract total expenses from income to find surplus or deficit
4. 4Compare your actual spending to the 50/30/20 benchmark
5. 5Adjust categories to eliminate deficit or boost savings

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