Free tool
Budget split calculator
Put in your take home pay and see what each budgeting method actually gives you, week by week.
This is a planning tool, not personalised financial advice. Percentages are a starting point, not a rule. If your essentials do not fit inside the percentage, that is useful information rather than a failure, and it is worth a conversation. Book a free chat.
The methods
What each split actually means
There is no single right answer. Pick the one that matches the life you are actually living.
50 / 30 / 20
Half your money on needs, three tenths on wants, a fifth to savings and debt. The best known split, and a fair starting point if your rent or mortgage is not eating you alive.
70 / 20 / 10
Seven tenths on living costs, two tenths saved, one tenth for giving or debt. Realistic when housing is expensive, and it keeps a place for church, family and community giving.
80 / 20
Spend eighty, save twenty, and do not sweat the categories. If detailed budgets have never stuck for you, this is the one that might.
60 / 20 / 10 / 10
Essentials sixty, wants twenty, savings ten, debt repayment ten. The one to use when you are actively clearing debt and want it to have its own lane.
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