💰 Personal Budget Calculator

Enter your monthly income and choose a budgeting rule to see your optimal money allocation

50/30/20 Rule
Most popular budgeting method. Simple and balanced for most people.
🏠 Needs 200,000 50%
Rent/mortgage, groceries, utilities, transport, insurance, minimum debt payments, phone bills
🎯 Wants 120,000 30%
Dining out, entertainment, hobbies, gym, streaming services, shopping, travel, personal care
💰 Savings & Debt Payment 80,000 20%
Emergency fund, retirement savings, investments, extra debt payments, vacation fund
60/20/10/10 Rule
Good for people with higher essential expenses but want to build wealth.
🏠 Essential Expenses 240,000 60%
All must-have expenses: housing, food, transport, utilities, insurance, minimum debt payments
💰 Long-term Savings 80,000 20%
Retirement fund, investments, property down payment, children's education fund
🎯 Short-term Savings 40,000 10%
Emergency fund, vacation fund, car repairs, home maintenance, medical expenses
🎉 Fun Money 40,000 10%
Entertainment, dining out, hobbies, shopping, personal treats, guilt-free spending
70/20/10 Rule
For those focused on aggressive savings and debt elimination.
🏠 Living Expenses 280,000 70%
All living costs: housing, food, transport, utilities, entertainment, personal care, miscellaneous
💰 Savings 80,000 20%
Emergency fund, retirement savings, investments, goal-based savings (car, house, vacation)
💳 Debt Repayment 40,000 10%
Extra payments on credit cards, personal loans, student loans - beyond minimum payments
80/20 Rule (Pay Yourself First)
Simplest approach - save first, spend the rest. Great for beginners.
💰 Savings & Investments 80,000 20%
Retirement accounts, emergency fund, investments, goal savings - pay yourself first!
🏠 Everything Else 320,000 80%
All living expenses: housing, food, transport, utilities, entertainment, shopping, bills, debt payments
FIRE Method (25x Rule)
Financial Independence Retire Early - for aggressive wealth building.
🏠 Essential Expenses 160,000 40%
Bare minimum living costs: basic housing, food, transport, utilities - lean lifestyle
💰 Investments 200,000 50%
Aggressive investing: index funds, stocks, bonds, real estate - building wealth for early retirement
🎯 Discretionary 40,000 10%
Limited fun money: occasional dining out, minimal entertainment, carefully chosen luxuries
Zero-Based Budget
Every rupee has a job. Most detailed and controlling method.
🏠 Housing 120,000 30%
Rent/mortgage, property tax, home insurance, maintenance, HOA fees
🚗 Transportation 60,000 15%
Car payment, fuel, insurance, maintenance, public transport, ride-sharing
🍽️ Food & Groceries 40,000 10%
Groceries, household supplies, dining out, takeaway, work lunches
⚡ Utilities 20,000 5%
Electricity, water, gas, internet, phone, cable, streaming services
💰 Emergency Fund 40,000 10%
3-6 months expenses saved for job loss, medical emergencies, major repairs
📈 Investments 80,000 20%
Retirement accounts, mutual funds, stocks, bonds, goal-based investments
🎉 Entertainment 40,000 10%
Movies, hobbies, gym, personal care, shopping, gifts, miscellaneous fun
✅ Total Budget: LKR 400,000

💡 Pro Tips for Success

Track for 3 months: Monitor your actual spending vs budget to see which rule works best for your lifestyle.
Start simple: Begin with 80/20 rule, then move to more detailed systems like 50/30/20 as you get comfortable.
Emergency fund first: Build 3-6 months of expenses in savings before aggressive investing.
Automate everything: Set up automatic transfers for savings and bill payments to make budgeting effortless.
Review monthly: Adjust percentages based on life changes (new job, marriage, kids, etc.).