80/20 budget calculator
Rent, food, utilities, transport, minimum debt payments
Dining out, subscriptions, hobbies, travel, shopping
Emergency fund, investing, extra debt payoff
Instant PDF · fillable by category · no account needed
The 80/20 rule, or "pay yourself first" — move 20% to savings on payday and spend the remaining 80% freely.
About 80/20 budget calculator
80/20 is for people who will not keep a detailed budget and know it. Instead of categorising every purchase, you move the savings out on payday and treat what is left as spendable. It works because the only decision it requires is made once a month.
It is less precise than a three-way split, and that is the trade: a simple rule you follow beats a detailed one you abandon in week two.
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