Everyday money · Tools
Tools
Your 50/30/20 budget
Enter your monthly take-home pay, then drag the split. Watch each pot change — and see what the savings slice could grow into over time.
What lands in your account after tax, NI, pension and student loan. Not sure? Use the salary calculator.
A typical easy-access rate in 2026. Change it to match your account, or a fixed-rate deal.
Needs
£0
Rent, bills, food, transport, minimum debt payments
Wants
£0
Eating out, hobbies, subscriptions, treats
Savings & debt
£0
Emergency fund, goals, extra debt payments, pension
If you save that every month…
This is a guide, not financial advice. 50/30/20 is a starting point, not a rule set in stone — if your needs come to more than half your pay, that's a signal to look at your biggest costs, not to give up. Savings growth assumes you save the same amount every month and interest is paid at the rate shown; real rates change and are usually variable. See our budgeting guide.