Free tool · Budgeting
Budget planner
Enter your take-home pay and slide the split — the classic 50/30/20 or your own — to see exactly what each bucket means in pounds.
50%
30%
20%
Needs
£1,200
rent, bills, food, transport
Wants
£720
eating out, subscriptions, fun
Savings & debt
£480
emergency fund, overpayments
The 50/30/20 split is a starting rule of thumb, not advice — high housing costs often push needs above 50%. What matters is choosing a split you can actually sustain, then automating the savings slice on payday.