📊 50/30/20 Budget Planner
The simplest budget that actually works: 50% needs · 30% wants · 20% future you. Enter your take-home pay, get your numbers in pesos.
Your take-home pay
Use TAKE-HOME (after deductions). Don't know it? Compute it with our Net Salary Calculator.
Your money map
Lalabas ang sagot dito. 👆
Paano gawing reality ang budget? (FAQ)
Kung kulang ang 50% sa needs ko?
Reality first: adjust to 60/20/20 or even 70/15/15 temporarily. The goal isn't perfection, it's knowing your floor. Then attack the biggest need-cost (usually rent or transpo) over time.
Saan ilalagay ang 20%?
In order: (1) emergency fund worth 3–6 months of NEEDS in a digital bank, (2) MP2 or index funds for longer horizons. Our MP2 projector shows what consistent 20% becomes in 5 years.
May sweldo bonus / 13th month, kasali?
Windfalls follow a different rule: 70% goals / 30% enjoy. Budgeting your bonus BEFORE December is how it survives January.