Budget Rules · Calculator
Free 70/20/10 Budget Calculator
What is a 70/20/10 budget calculator?
The 70/20/10 rule allocates 70% to living expenses , 20% to savings and debt payoff , and 10% to giving or extra goals (some versions use 10% for investing).
Enter monthly take-home pay to see dollar targets — a simpler alternative when 50/30/20 feels too detailed.
70% living · 20% savings · 10% giving = 100% of take-home pay
Compare with 50/30/20 targets or read how rule-based budgeting works .
Real-life example (try this in the calculator)
Jordan takes home $5,000/month and wants a 70/20/10 split.
Line item
Amount
Calculator field
Monthly take-home pay
$5,000
Monthly take-home pay ($)
70% living = $3,500 · 20% savings = $1,000 · 10% giving = $500 .
Tap Use example for Jordan's 70/20/10 split.
How to read your results
Living budget (70%) — All monthly spending — housing, food, transport, bills, and wants combined.Savings (20%) — Emergency fund, retirement, sinking funds, extra debt payments.Giving / extra (10%) — Charity, tithing, or a dedicated investing top-up — your choice.
Living at 70% is tight in expensive cities — adjust percentages to your reality and track trends in Ziko.
Quick questions
70/20/10 vs 50/30/20? +
70/20/10 groups all spending into one bucket; 50/30/20 separates needs and wants.
Can I skip the 10%? +
Yes — redirect it to savings or living if that fits your goals.
Gross or net? +
Use take-home (net) pay for every percentage rule.
Turn this into a real monthly plan.
Set income, caps, and alerts in Ziko — free, no bank login.
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