Family Budget Planner
See what is left after fixed and variable expenses, plus a 50/30/20 comparison. Uses take-home pay and three simple monthly inputs.
What you get
The amount left after fixed and variable expenses, your savings rate, and a 50/30/20 comparison. The goal is a quick monthly check, not a full financial plan.
How to use it
Use take-home pay, not gross salary. List fixed costs such as rent, insurance, and loan payments, then average the variable costs from the last two or three months. Run the check after a normal month, not after a holiday or a car repair.
One example
A household with $6,000 take-home pay, $3,200 in fixed costs, and $1,500 in variable spending has $1,300 left, a savings rate of about 22%. The 50/30/20 guide suggests $3,000 for needs, $1,800 for wants, and $1,200 for savings — close enough to use as a starting point.
Common questions
Gross or take-home pay?
Take-home. Budgets based on gross income overstate what is actually available.
What about irregular income?
Use the lowest normal month, or average the last six months and keep a buffer for slow months.
Where does debt fit?
Minimum payments are fixed costs. Extra payments belong in the savings or wants category until the debt is gone.
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