Fin’s Monthly Budget Playbook — plus a simple calculator you can use right now
A clean, in-page budget calculator—enter take-home pay and bills, tag as need/want/savings, see your 50/30/20 split, and export to CSV. No sign-ups or external scripts.
Why this matters (Fin’s quick story)
I used to budget like a martyr: spreadsheets, color codes, tears. What finally stuck was one number—my leftover each month—and three buckets: needs, wants, and savings/debt. This little calculator keeps it that simple. Put in your take-home pay and your bills, tag each bill as a Need, Want, or Savings/Debt, and it shows how close you are to a 50/30/20-ish split (or whatever split fits your life).
Monthly Budget Calculator
Income (take-home)
Tip: Use take-home (after tax/withholding) so numbers match your bank deposits.
Bills & spending
| Name | Amount | Type |
|---|
Total income: $0.00
Total expenses: $0.00
Leftover: $0.00
Needs: 0% Wants: 0% Save/Debt: 0%
Guidepost: many aim near 50/30/20 (Needs/Wants/Savings), but do what fits your life.
How to use (quick steps for readers)
- Enter your monthly take-home pay (after taxes).
- Add bills/spending and tag each as Need, Want, or Savings/Debt.
- Watch the percent bar and your leftover update in real time.
- Click Export CSV if you want to keep a copy, or let the tool remember in your browser.
Fin’s tip: If your “needs” run hot (>60%), aim to cool just one line item (plan, subscription, or insurance) this month—compound the savings.