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Paycheck Budget Calculator

Enter your take-home pay and your bills. See how much goes to needs, wants and savings, and which paycheck should cover each bill.

1. Your pay

How often are you paid? Take-home pay per paycheck ($) After taxes and deductions A recent or upcoming payday Month to plan

Needs % Wants % Savings %

Needs

–

Wants

–

Savings

–

Each bill is assigned to the last paycheck that lands on or before its due date. "Left to spend" is what remains after bills and your savings target.

Use take-home pay, not salary. That's the amount that actually lands in your account each payday.
Pick a split. 50/30/20 means 50% for needs (rent, utilities, groceries, minimum debt payments), 30% for wants, 20% for savings or extra debt payoff. If rent is high, 60/20/20 or 70/20/10 is more realistic.
List every bill with its due day. Each bill gets paid from the last paycheck before it's due, so you're never short when it hits.
Watch for big-bill paychecks. If one paycheck carries rent, move a smaller bill to the other one or ask the company to change the due date.
Biweekly pay? Plan for 3-paycheck months. Twice a year you get a third check. Budget on two per month and put the extra toward savings or debt.