Salary planner
Enter the pay that reaches your account, choose a practical starting plan, then adjust every category around your real obligations and goals.
Give every part of your salary a purpose
Your salary split
Calculations stay on your device. Your salary and percentages are not stored or sent anywhere.
This is an educational starting point, not personal financial advice. Adjust it around your obligations and goals.
How to divide your salary
The balanced starting point follows the familiar 50/30/20 framework: 50% for needs, 30% for wants, and 20% for savings and additional debt repayment.
Count rent, food, utilities, transport, healthcare, and minimum required debt payments as essentials. Emergency savings, investing, financial goals, and payments above the required debt minimum belong under your financial future.
Make the percentages fit real life
Start from a plan, then fine-tune all four categories — essentials, lifestyle, financial future, and giving & family — using the sliders or by typing a percentage. The amounts update instantly with every change.
A rule of thumb is a starting point, not a pass-or-fail test. If housing or family costs are high, begin with the higher-cost plan. If your essentials are covered comfortably, the save-faster plan can move more income toward future goals.
Remember less-frequent costs such as annual insurance, school fees, car maintenance, holidays, and travel. Dividing an annual bill by 12 gives you a useful monthly amount to reserve.
Source →Last reviewed: August 20, 2026