80/10/10 Budget Calculator
The 80/10/10 budget rule simplifies your finances into three clear goals. Reserve 80% of your net pay for essential living costs like rent, transportation, and bills; put 10% toward savings and investments to secure your financial future; and dedicate 10% to giving back to your community or favorite nonprofits.
Enter your monthly take-home pay below, and our free 80/10/10 tool will instantly generate your exact spending, saving, and giving breakdown.
80/10/10 Budget Calculator
Type in your monthly take-home pay and the pie chart will split it into Living Costs, Savings, and Giving.
Rent, transportation, bills, groceries, and everyday essentials.
Savings and investments to build your financial future.
Donations to your community, charities, or favorite nonprofits.
How it Works
1. Enter your monthly after-tax income – the money you actually get in your account.
2. Watch your income split automatically – The calculator automatically breaks down your income into Living Expenses (80%), Savings & Investments (10%), and Giving (10%)
More Free Calculators
50/30/20 Budget
Split income into needs, wants, and savings.
70/20/10 Budget
Allocate income to needs, savings, and debt or giving.
Zero-Based Budget Calculator
Assign every dollar of your income a purpose.
60/20/20 Budget
Split income into needs, savings, and wants.
30/30/30/10 Budget
Split income into housing, living expenses, financial goals, and personal spending.
40/30/20/10 Budget
Automatically breaks down your after-tax income: 40% needs, 30% wants, 20% savings, and 10% giving.
Goal Savings Calculator
Calculate how much to save each month to hit your goal.
Emergency Fund
How much to save based on expenses and months of coverage.
Retirement Spending
See how long your retirement savings could last, based on how much you plan to spend, save, and when you plan to retire.