EVERY MONEY DECISION · SOURCED

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16 free budget, net worth, savings rate, and FIRE calculators. The 50/30/20 split, emergency-fund sizing, and salary-negotiation lifetime math, with sources.

Plan a 50/30/20 budget
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Updated · BLS · Census · Fed SCF

The 50/30/20 rule splits take-home pay into 50% needs, 30% wants, and 20% saving and debt paydown. BLS Consumer Expenditure Survey shows the average US household actually spends about 33% on housing, 17% on transportation, and 13% on food. Emergency funds are typically sized at 3 to 6 months of essential expenses; Federal Reserve data shows 37% of adults could not cover a $400 emergency from cash. Every figure here is cited to BLS, Census, or Federal Reserve primary sources.

Written and maintained by Jere Salmisto, Founder, CalcFi. Updated .

Formulas and data sourced from BLS Consumer Expenditure Survey, Census ACS income tables, and Federal Reserve Survey of Consumer Finances. Methodology at /about/editorial. Published by CalcFi Editorial.

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