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Loading your budget split...
Enter your take-home pay below
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Monthly Savings
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Take-Home Pay
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Monthly income
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Needs (50%)
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Must-haves
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Wants (30%)
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Nice-to-haves
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Savings (20%)
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Future you
🎯 Your Budget Split
Enter your take-home pay to see your split.
💵 Your Income
Monthly take-home pay — what hits your bank after taxes
📊 Visual Split
How your paycheck divides up
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What Counts As Needs, Wants, and Savings?
The line between needs and wants is where most people mess up
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Custom Ratios
50/30/20 is a starting point — adjust to fit your life
🎛️ Adjust Your Split
Drag the percentages — they must total 100%
📈 Savings Projection
If you stick to your savings rate, here's what builds up
Budget Split
What's In Each Bucket
12-Month Savings Growth
Your Ratio vs Default
50/30/20 Budget Report
Vault & Vessel Studio ·
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How To Use
The simplest budget that works — split your paycheck three ways and you're done
🚀 Getting Started
1
Enter Your Paycheck
Your monthly take-home pay — what lands in your bank after taxes.
2
See Your Split
50% to needs (housing, food, transport), 30% to wants (dining, fun, shopping), 20% to savings and debt payoff.
3
Customize If Needed
Adjust the ratios to match your life — 40/30/30 if you want to save more, 60/25/15 if rent is high.
4
Follow the Plan
Print it. Set up auto-transfers for savings on payday. Spend within your buckets. That's the whole system.
📊 Terms Made Simple
Needs (50%): Things you MUST pay — housing, utilities, groceries, insurance, minimum debt payments, transportation. If you'd be in trouble without it, it's a need.
Wants (30%): Things you CHOOSE — dining out, streaming, shopping, hobbies, vacations, upgrades. Life enhancers, not survival requirements.
Savings (20%): Future you — emergency fund, retirement, investments, extra debt payments above minimums. Pay yourself first.
Take-Home Pay: What hits your bank. NOT your gross salary. After taxes, insurance, and 401k contributions are already taken out.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ The 50/30/20 rule is a guideline, not law. High-cost-of-living areas may need 60% for needs. Adjust to your reality — the goal is a framework, not perfection.