📊 50 / 30 / 20 Budget Worksheet

Split your after-tax income into Needs (50%) • Wants (30%) • Savings (20%)

Month:

Year:

Monthly After-Tax Income: $

50% Needs Target: $

30% Wants Target: $

20% Savings Target: $

🏠 NEEDS — 50% of Income Target: $______

Expense	Budgeted	Actual
Rent / Mortgage
Utilities (Electric, Gas, Water)
Groceries
Transportation / Car Payment
Insurance (Health/Auto/Home)
Minimum Debt Payments
Phone & Internet
Childcare / Medical
Other Essentials
TOTAL NEEDS

🎉 WANTS — 30% of Income Target: $______

Expense	Budgeted	Actual
Dining Out / Takeout
Entertainment / Streaming
Shopping / Clothing
Hobbies / Recreation
Personal Care / Beauty
Subscriptions (Non-Essential)
Travel / Vacations
Gifts
Other Wants
TOTAL WANTS

🎯 SAVINGS & DEBT — 20% of Income Target: $______

Needs

50%

Wants

30%

Savings

20%

Write your actual percentages next to the bars. Are you close to the targets?

My Needs: %

My Wants: %

My Savings: %