Free 50/30/20 calculator · no signup to use
See your whole month in one clear plan.
Enter your take-home pay and get a simple needs / wants / savings split in seconds. Honest, plain-English money help from meaf — no spreadsheets required.
Updates as you type · drag a handle to tune your split
Rent, groceries, utilities, minimum debt payments.
Dining out, subscriptions, hobbies, the fun stuff.
Emergency fund, extra debt payoff, future goals.
A starting framework, not a rule. Drag a handle to adjust the splits to fit your cost of living and goals.
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We'll email your split as a clean one-pager plus the free starter kit. No spam — unsubscribe anytime.
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Educational only — general information based on the 50/30/20 guideline, not personalized financial advice.
Why you can trust this
Money help should be calm and honest. Here's where we stand — no fine-print games.
Plain-English, not jargon
We explain the why in language anyone can follow — no lectures, no shame.
Built to help, not to sell
Free tools and guides. We don't sell your data — ever.
Made by meaf
A small team that thinks budgeting help should be honest and calm.
Free starter kit
The free kit that turns your split into a habit
- A printable 1-page 50/30/20 worksheet
- A simple monthly money checklist
- A starter guide to the 3 biggest budget leaks
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Read up, calmly
All guides →Basics
The 50/30/20 rule: a simple budget that actually sticks
The simple idea behind the calculator — what counts as a need, when to bend the rule, and how to make it stick.
Saving
How to build an emergency fund (starting from zero)
How much you need, where to keep it, and small steady steps that add up faster than you'd think.
Debt
Avalanche vs snowball: which debt payoff method fits you
Two honest ways to pay down debt — the math vs the motivation, and how to pick the one you'll keep.