Free template
The 50/30/20 budget sheet.
Enter your take-home pay, then fill in what you actually spend. The sheet shows how close you are to 50% needs, 30% wants, 20% savings. Everything stays on your device.
$
Use the amount that actually lands in your bank account each month. If your pay is irregular, use a low-ish average. Leave a line blank if it doesn't apply to you.
Total planned spending$0
Left unassigned$0
Savings rate0%
The 50/30/20 rule is a starting point, not a law. If rent in your city eats 60% of your pay, adjust. The point is that every dollar has a job. General education only, not financial advice.
Want to see what your savings can become?
Try the cost of waiting calculator and watch a monthly amount compound.