HisabCalc › Discounts & tips

50-30-20 Budget Calculator

Split your income into needs, wants and savings using the popular 50-30-20 rule, or any percentages you choose.

Enter your numbers

Monthly income

Example: 50000

Needs (%)

Example: 50

Wants (%)

Example: 30

Result

Currency

Figures are computed on your device; nothing is sent anywhere.

Formula

১) প্রয়োজন (Needs): needsAmount = monthlyIncome × needsPercent/100. ২) ইচ্ছা (Wants): wantsAmount = monthlyIncome × wantsPercent/100. ৩) সঞ্চয়: savingsAmount = monthlyIncome − needsAmount − wantsAmount. ৪) সঞ্চয়ের শতাংশ: savingsPercent = 100 − needsPercent − wantsPercent. ডিফল্ট ৫০/৩০ দিলে সঞ্চয় স্বয়ংক্রিয়ভাবে ২০% হয়।

How the calculation works

Needs take the first share of income, wants the second, and what is left is savings.

The savings percentage is simply a hundred minus the two other percentages, so the three always add up.

Changing the split lets you stress-test a budget: more for needs means less for wants and savings.

Common mistakes

Classifying wants as needs, which quietly eats the savings share without it looking like a cut.
Setting the two percentages above a hundred together, which leaves nothing to save.

When to use it

Use it at the start of a month to give every part of your income a job.
It is not a spending tracker; it sets the plan that a tracker then follows.

Worked example

On 50,000 income with 50% needs and 30% wants you get 25,000 for needs, 15,000 for wants and 10,000 (20%) to save.

Needs amount 25,000.00

Wants amount 15,000.00

Savings amount 10,000.00

Savings (%) 20.00

Common questions

What counts as a need?

Rent, utilities, food, transport and minimum debt payments are needs; dining out and hobbies are wants.

Can I change the percentages?

Yes, the fields are editable, and the savings share is whatever is left after needs and wants.

Last updated: 2026-10-04