💵 70/20/10 Rule Money Calculator
Split your monthly take-home pay into spending, savings, and debt/giving using the popular 70/20/10 budgeting rule.
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What is the 70/20/10 rule?
The 70/20/10 rule is a simple budgeting framework that splits your take-home income into three buckets: 70% for everyday living expenses, 20% for savings and investing, and 10% for debt repayment or charitable giving.
How it works
The calculator simply multiplies your monthly take-home income by each percentage to show the dollar amount you’d allocate to each bucket under this rule.
This tool is for general budgeting education and planning. The 70/20/10 split is a guideline, not a strict requirement — adjust the percentages to fit your own financial situation and goals.
Last reviewed August 2026