Build a monthly budget with the 50/30/20 rule. Track needs, wants, and savings with overspending alerts and monthly history. Free budget planner, no signup.
Allocate 50% of net income to Needs (housing, food, utilities, transportation), 30% to Wants (dining, entertainment, subscriptions), and 20% to Savings and debt repayment. Simple, effective, and flexible.
Needs: Rent/mortgage, groceries, utilities, basic transportation, minimum debt payments, insurance. Wants: Dining out, streaming, gym, travel, coffee shops, new clothes beyond basics. The line is sometimes blurry — be honest with yourself.
In high cost-of-living cities, housing alone may exceed 30% of income. Adjust the percentages to fit your reality — perhaps 60/20/20 or 70/15/15. The priority is tracking and being intentional about spending.
The 20% savings rule suggests saving at minimum 20% of net income. Prioritize: emergency fund first (3-6 months), then high-interest debt, then retirement (401k/IRA), then other goals like house or travel fund.
Yes, our planner saves each month's budget in your browser. Switch between months to see your history, compare months, and track whether your spending patterns are improving over time.
Yes — every FreeFixo tool, including the Free 50/30/20 Budget Planner, is 100% free with no paywall, no premium tier, and no usage limits. You do not need to create an account, enter a credit card, or share an email.