Skip to content
New: what does your loan really cost?
Free calculator

How should you split your pay?

Split your pay between needs, wants and savings with a simple rule.

$
%

Rent, food, transport, utilities.

%

Going out, subscriptions, extras.

—

—

WhatsApp

Educational estimate based on the data you enter. It doesn't include taxes or future changes. It's not an offer or personalized advice.

Watch the video that explains itMore calculators

How it's calculated

The 50/30/20 rule is a starting point: 50% needs, 30% wants and 20% savings or debt. You can change the percentages; savings is whatever is left up to 100%.

The emergency fund is calculated as 3 months of your needs. After the fund, the suggested order is: expensive debt, goal-based savings, and only then investing.

Watch out for this

  • If your needs go over 50%, adjust the percentage to your reality: what matters is that savings stays above zero.
  • If your income varies, use the average of the last 6 months as your pay.

Frequently asked questions

Questions about this calculator

Still have a question? Write to us

Is it a mandatory rule?

No. It's a guide to get started. What matters is that you spend less than you earn and that your saving is consistent.

Other calculators

True cost of a loan How much you pay in total, how much of it is interest, and the effective annual rate. Calculate "Interest-free" installments vs. paying cash Find out whether paying in installments or taking the cash discount is the better deal. Calculate Card cashback with a cap How much you really save with a cashback that has a monthly cap. Calculate Get out of debt: avalanche vs. snowball Compare two methods for paying off your debts and see how much interest you save. Calculate Term savings vs. inflation How much your savings grow, and how much of that is real profit after inflation. Calculate Pay off debt or save? Compare the interest you avoid by paying off a debt with what you'd earn by saving. Calculate