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Find the budgeting style that fits your life
Four proven methods — each works for different personalities and incomes.
The 50/30/20 Budget Rule
Allocate 50% of your after-tax income to needs, 30% to wants, and 20% to savings and debt repayment. Simple, balanced, and surprisingly effective for most people.
✓ Pros
- ✓ Simple and easy to start
- ✓ Flexible categories
- ✓ Works for most incomes
- ✓ No spreadsheet required
✗ Cons
- ✗ May not fit all cities (high cost of living)
- ✗ Less precise than zero-based
- ✗ Savings % may be too low for some goals
Typical Allocation
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