Budget Planner (50/30/20)
Split after-tax income into needs, wants, and savings using 50/30/20 or custom percentages with monthly tracking hints.
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Income
50/30/20 or custom split
Allocates after-tax income into needs, wants, and savings buckets. Percentages are normalized if they do not sum to 100%.
Advanced mode
Treat a fixed monthly debt payment as pre-budget cash out (subtracted before splits).
Buckets
Monthly amounts
Needs
LKR 2,600.00
Wants
LKR 1,560.00
Savings / invest
LKR 1,040.00
After buckets & debt
LKR 0.00
Unassigned surplus
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Perspective
Rules are starting points, not laws
High cost-of-living areas may push “needs” above 50%; adjust consciously.
The best budget is one you can sustain.
FAQ
Common questions
Pre-tax or after-tax income?
Use take-home pay for 50/30/20 as commonly described.
Where does debt payoff go?
Often counted under needs (minimums) or savings/debt (accelerated payoff) depending on your philosophy.
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