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← All free resources🍯 Goldie's Tool

Budgeting
Calculator

Use the top budgeting calculator below to see how your real-life budget should be broken down according to the 50/20/30 Rule. Then see if you're living above, within, or below your means using the bottom calculator!

Goldie

Your paycheck

Preview — enter a gross yearly pay and choose your state to see your real numbers.

Net Yearly Pay
$0
Net Monthly Pay
$0

The 50/20/30 Rule

Needs (Mandatory Expenses) (50%)$0
Saving / Investing (20%)$0
Discretionary Wants (30%)$0

The 50/20/30 Rule is a widely accepted rule of thumb, not something that must be followed — every family's budget looks different. Net pay is a simplified estimate (real federal brackets and FICA for US residents, plus one approximate effective rate per state) meant for learning, not tax advice or an exact paystub.

Compare your own budget

Plug in your real numbers to see how your spending stacks up against the 50/20/30 Rule.

Enter your net monthly pay to compare your budget.

Or try another bear's tool

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