50/30/20 Budget Calculator

Type your monthly income after tax. The calculator splits it into needs, wants and savings using the 50/30/20 rule — the same framework KRONO uses on autopilot.

KRONO applies your 50/30/20 split to real bank transactions and shows a Safe to Spend number every day.

What is the 50/30/20 rule? It splits after-tax income into 50% needs, 30% wants and 20% savings. It's a simple starting frame — adjust to your reality.

Should I use gross or net income? Net — income after tax and mandatory deductions. That's the money that actually reaches your account.

Is 50/30/20 realistic in high-cost cities? Not always. In many European capitals rent alone exceeds 50%. Use it as a target and close the gap by lowering wants before touching savings.

Does KRONO enforce this split automatically? Yes. KRONO's 3-layer budget (fixed / everyday / savings) maps directly to needs/wants/savings and updates from your bank feed.