💰 CALCULATOR · 01 / 04
Budget Calculator
See where your money should go. We split your income into Needs, Wants, and Savings — the friendly way.
Your split
Monthly income
Or drag the slider
Quick presets
Your split
$750 / month
Rent, food, transport, bills
Dining, hobbies, subscriptions
Emergency fund, goals, invest
ⓘ How we calculate
We use the 50/30/20 rule: 50% Needs, 30% Wants, 20% Savings. Adjust the slider to fine-tune.
How to use the budget calculator
1. Enter your monthly income
Start with your take-home pay after tax. Include regular side income too, so the split reflects everything you actually receive.
2. Set your Needs, Wants, and Savings split
The default follows the 50/30/20 rule: half for needs, 30% for wants, 20% for savings. Drag the sliders if your life has different proportions.
3. Check the amounts and plan your spending
The calculator shows the exact amount available in each category. Treat each number as a ceiling, not a target — the goal is to stay inside the bucket.
Worked example
On a take-home income of Rp 8,000,000 a month, the 50/30/20 rule gives you Rp 4,000,000 for needs (rent, food, transport, bills), Rp 2,400,000 for wants (dining out, hobbies, subscriptions), and Rp 1,600,000 for savings and debt. If your rent alone is Rp 3,200,000, your needs bucket is already 80% full before you buy a single grocery item — that tension is the point of the exercise.
Common mistakes
Setting the split too rigidly
A budget you abandon in week one is worse than an imperfect one you keep. Start close to 50/30/20 and move five percentage points at a time as real spending patterns show up.
Forgetting non-monthly costs
Insurance premiums, yearly subscriptions, and holiday spending never appear in a single month's income. Divide annual costs by twelve and fold them into a category first.
Treating the buckets as fixed
The categories are designed to flex. If transport goes up, something else in needs has to give. The calculator only works if the buckets stay honest month to month.
Frequently asked questions
What is the 50/30/20 rule?
A budgeting framework that splits after-tax income into 50% needs, 30% wants, and 20% savings. It is a starting point, not a law — adjust the percentages to your actual costs.
Can I change the percentages?
Yes. This calculator's sliders let you test any split, and the Spendmate budget app lets you set your own category percentages for ongoing use.
Should loan repayments count as needs or savings?
Minimum payments are a need — they keep the account healthy. Anything above the minimum counts as savings, because it reduces what you owe.
This calculator is for illustration only and does not constitute financial advice. Your situation is unique — consider speaking with a qualified advisor before making significant money decisions.
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