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.
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Pro Tip
Automate your savings on payday before spending. People who pay themselves first save consistently; those who save "what's left" rarely do.
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Did You Know?
A 1% increase in your savings rate — just $50/month on a $5,000 income — compounds to over $75,000 extra over 30 years at 7% annual return.
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