Enter your monthly take-home pay and see it split into needs, wants, and savings or debt — calculated as you type, in your browser.
What reaches your account, not your salary before deductions. USD.
$2,000.00
Rent, utilities, groceries, insurance, minimum debt payments
$1,200.00
Eating out, entertainment, hobbies, subscriptions
$800.00
Emergency fund, extra debt payments, investing
The three amounts add up to $4,000.00 exactly — every cent is allocated.
A split is a plan; what you actually spend is the test. FinTrackrr tracks needs and wants by category, entered by hand — no bank connection, free to start.
Start Tracking FreeA way of splitting take-home pay into three buckets: 50% needs — rent, utilities, groceries, insurance, minimum debt payments. 30% wants — eating out, entertainment, hobbies, subscriptions. 20% savings and debt — an emergency fund, extra payments above the minimum, investing.
It is a starting shape, not a law. Somewhere expensive to rent, 50% may not cover the needs, and the honest response is to adjust the split rather than pretend. The percentages above are editable for that reason.
The number to enter is what actually reaches your account after tax and deductions. Splitting gross pay produces three buckets you cannot fund.
A need is something whose absence causes a real problem: housing, power, food, insurance, the minimum on a debt. A subscription you would miss but could cancel tomorrow is a want. Most people have a few items that could go either way, and it matters less which bucket they land in than that they land in one.
Common, and not a failure. Adjust the percentages to reflect reality, then look at whether the largest fixed costs can move over time. A budget that matches your life is more useful than one that matches a rule.