The simplest budget that works

Budget Buddy

Enter your monthly take-home pay and see a clean 50/30/20 split — needs, wants, savings — with where you actually stand.

What actually lands in your account each month, after taxes.

$/ month

Enter a positive dollar amount.

Budget health score

71/ 100Good — minor tweaks

Your 50/30/20 plan

$4,500/mo split into three buckets.

Needs (50%)on track
target $2,250/mo

rent, food, utilities, minimum debt payments

actual $2,200/mo-$50 vs target
Wants (30%)under
target $1,350/mo

dining out, fun, subscriptions

actual $600/mo-$750 vs target
Savings & debt (20%)under
target $900/mo

emergency fund, investing, extra payments

actual $250/mo-$650 vs target

Savings nudge

You're $650/mo short of the $900 savings target. Trimming a want or two can close the gap.

Plan vs. actual

Add what you actually spend to see where you stand.

Total spent:
$3,050/mo
Left over:
$1,450/mo

Export & print

Save or print your plan. Everything stays on this device.

Verification receipt

The math is transparent. Generate a SHA-256 receipt of your inputs and plan — the same numbers always produce the same hash, so anyone can reproduce and verify it.

How it works & saved plans →

Ask AI

AI can be wrong. Not medical, legal, or financial advice.

Plain math, not financial advice. No bank login, no account required — a starting frame, not a straitjacket.