Budget Calculator - 50/30/20 Rule & Zero-Based Planner
Free budget calculator to audit your monthly cash flow. Compare actual expenses against 50/30/20 targets, validate zero-based allocations, and project compound savings growth.
Net Monthly Cash Flow
$350
Savings Rate: 28.2%
Net Monthly Income$4,250
Total Expenses$3,900
Savings Capacity$1,200
Monthly Income Streams
Primary JobGross: $5,000 | Tax: 15%
Expenses Catalog
RentAmount: $1,200 | Category: NEEDS
GroceriesAmount: $400 | Category: NEEDS
UtilitiesAmount: $200 | Category: NEEDS
TransportAmount: $300 | Category: NEEDS
Dining & DrinksAmount: $600 | Category: WANTS
SubscriptionsAmount: $50 | Category: WANTS
ShoppingAmount: $300 | Category: WANTS
RetirementAmount: $850 | Category: SAVINGS_DEBT
Actual Spend vs. 50/30/20 Targets (%)
Zero-Based Envelope Validator
Surplus of $350!"Give these remaining dollars a job." We recommend moving this surplus into the Savings/Debt envelope to build your long-term wealth quicker.
50/30/20 Audit & Compounding Projection
50/30/20 Target Variance Matrix
| Category | Actual Spent | Target | Variance |
|---|---|---|---|
| Needs (50%) | $2,100 (49.4%) | $2,125 | -$25 |
| Wants (30%) | $950 (22.4%) | $1,275 | -$325 |
| Savings & Debt (20%) | $850 (20.0%) | $850 | +$0 |
Compounding Wealth Projection Table
| Timeline | Total Deposits | Interest Earned | Accumulated Wealth |
|---|---|---|---|
| 1 Year (12 Mos) | $14,400 | +$471 | $14,871 |
| 2 Year (24 Mos) | $28,800 | +$2,017 | $30,817 |
| 5 Year (60 Mos) | $72,000 | +$13,911 | $85,911 |
| 10 Year (120 Mos) | $144,000 | +$63,702 | $207,702 |