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Cash Flow · calculator
Budget split
Give every part of your pay a job, and see if your savings target fits.
Left to save each month
$700
Your savings target fits.
- Needs (rent, food, transport)
- 55% · guide 50%
- Wants (everything else)
- 22% · guide 30%
- Savings
- 23% · guide 20%
Fix the highlighted number to see the result.
Where the pay goes
RentFoodTransportEverything elseLeft to save
The 50/30/20 guideline
Needs $1,500 · Wants $900 · Savings $600
Rent comes first because it is fixed. What is left after your spending is what you can save — and a savings target counts as met within 10 %.
The 50/30/20 guideline — half on needs, 30 % on wants, 20 % saved — is a common starting point, not a rule: where rent is high, needs often take more.
Education, not financial advice.
Feel it in a game
Payday Split turns this into a few quick rounds — in the app, and soon in your browser.