50/30/20 budget calculator
Needs / wants / savings targets + gaps

Inputs

Enter monthly numbers (or any period, as long as you stay consistent).

Use take-home pay for the classic 50/30/20 rule.
Some people apply the rule to gross income, but most use net.
Housing, utilities, groceries, insurance, minimum debt payments.
Dining out, subscriptions, shopping, travel, entertainment.
Savings, retirement, extra debt payoff (if you count that as saving).
If your tracking doesn’t match these buckets, put the remainder here.
Fill inputs, then click Calculate.
Notes
About / 關於

50/30/20 budget calculator — Split your income into needs (50%), wants (30%), and savings (20%). Enter current spending to see targets and gaps. Shareable, browser-only MVP.

Example: Use this tool to sanity-check numbers quickly, then share the link if you need to discuss with others.

FAQ: (1) Does it upload my data? No—runs in your browser. (2) Can I share results? Yes—use the share link feature. (3) Is it authoritative? Treat it as a convenience, not professional advice.

50/30/20 預算分配 — 把收入分成：需求 50%、想要 30%、儲蓄 20%。輸入現況支出即可看見目標與差距。可分享連結、純前端 MVP。

範例：用這個工具快速試算與對照結果，需要討論時再把連結分享給對方。

FAQ： (1) 會上傳資料嗎？不會，計算在瀏覽器內完成。 (2) 能分享結果嗎？可以，用分享連結。 (3) 準確嗎？請把它當作便利工具，不是專業建議。