Free online Lifestyle Spending Calculator to track and categorize daily expenses. Supports 50/30/20 budgeting rule with automatic spending breakdown and savings recommendations. | No Signup · Data Never Leaves Your Device
Zero Dependencies · Works OfflineFree online Lifestyle Spending Calculator to track and categorize daily expenses. Supports 50/30/20 budgeting rule with automatic spending breakdown and savings recommendations.
The 50/30/20 rule divides after-tax income: 50% for needs (housing/food/transport), 30% for wants (entertainment/travel), 20% for savings and investment. This calculator analyzes your spending against this rule.
Generally 20% savings rate is recommended. Younger people can get away with 10-15%; those near retirement should target 30-50%. FIRE movement followers often maintain 50%+ savings rates.
Consider moving to lower-rent areas, getting roommates, eating out less, using public transit. Needs are hardest to cut — long-term planning beats short-term saving.