Every dollar, in its lane. Draft the plan on the Calculator, face reality in My As-Is, and Compare where they diverge.
A budget only works if it reflects your real numbers. This budget calculator sorts your spending into needs, wants, and savings and measures it against the 50/30/20 rule, while tracking your net worth — what you own minus what you owe — in the same place.
Roughly half your take-home for needs, a third for wants, and a fifth for saving and debt payoff. The bars show how your actual split compares, so you can see the gap at a glance instead of guessing.
Your take-home comes from Income, housing from Mortgage, debts from the Debt calculator, and your emergency-fund target from Savings — so the budget reflects your whole picture without re-typing.
Your savings rate counts everything you set aside — 401(k), emergency fund, and brokerage — and your net worth ties your assets and debts into one number to grow over time.
One month tells you little; the direction tells you everything. Watching your savings rate and net worth move over time turns budgeting from a chore into a scoreboard — and the savings rate, more than any single expense, is the number that decides how fast your net worth grows.
This calculator works on its own — but it shares your numbers with eight more. Together, they become a command center for your whole financial picture.