50/30/20 Budget Calculator
🧮50/30/20 Budget
Split your monthly take-home pay into needs, wants, and savings. A simple rule to keep your spending in balance.
Adjust the split (must add up to 100%)
Needs (housing, utilities, groceries, transport, insurance)
S$2,000
Wants (dining out, shopping, holidays, subscriptions)
S$1,200
Savings (emergency fund, investing, extra debt repayment)
S$800
Needs 50%
Wants 30%
Savings 20%
A classic starting point. Tweak the percentages to fit your own goals.
Method: the 50/30/20 rule popularised in personal finance. For Singapore budgeting guidance, see MAS MoneySense, "Budgeting" at moneysense.gov.sg. The percentages here are editable because the right split depends on your own situation (as of 2026, edit if your goals change).
General information only, not financial advice. This is pure arithmetic on the figures you enter. Verify your own numbers and review your plan with the official source where relevant.