Budget 50/30/20

Where should your pay go each month?

Fill in your month and see how it compares with the 50/30/20 guide: half for needs, 30% for wants, 20% for savings.

Your month

Take-home pay, then what each peso or dollar is for.

What forKindPer month

You take home ₱35,000 a month. Here is where it goes.

You save 0%, short of the 20% guide

Needs· target 50%

₱0 of ₱17,500

Wants· target 30%

₱0 of ₱10,500

Savings & debt· target 20%

₱0 of ₱7,000 · ₱7,000 short

₱35,000 not yet planned

Give the unallocated money a job: topping up savings gets you to the 20% target.

The lesson

Needs first, a little fun, then pay yourself. Even 10% saved every month builds the habit; raise it when you can.

The 50/30/20 rule is a starting point, not a law: in a high-rent city needs often run over half. Nothing you type here is saved or sent anywhere.