Calculator
How do I split my paycheck with the 50/30/20 rule?
Split your take-home pay into needs, wants, and savings with the 50/30/20 rule — and see the real dollar amounts.
On $4,000 take-home, 50/30/20 is $2,000 for needs, $1,200 for wants, and $800 for savings and debt.
- Needs (50%)Rent, utilities, groceries, insurance, minimum debt payments, transport.
- $2,000
- Wants (30%)Dining out, subscriptions, hobbies, the nice-to-haves.
- $1,200
- Savings & debt (20%)Emergency fund, extra debt payments, investing, sinking funds.
- $800
OneTruth Money shows where your money actually went against a plan like this — without you sorting a single transaction by hand.
See it on your dashboardHow to use the 50/30/20 budget calculator
- Find your take-home pay. Use the amount that lands in your account after taxes and deductions, not your gross salary.
- Split it 50/30/20. Half to needs, just under a third to wants, a fifth to savings and extra debt payments.
- Adjust to fit reality. If your needs run over 50%, that's information, not failure — trim wants first, then look at the big fixed costs.
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