Budget Calculator

How the 50/30/20 budget rule works

The 50/30/20 rule splits your after-tax income into three buckets: 50% for needs (rent, groceries, insurance), 30% for wants (dining, entertainment), and 20% for savings and debt repayment. It’s a simple framework that works without tracking every category.

Weekly safe-to-spend is what’s left after your fixed bills, divided across the week. It’s the one number Pace shows you so you know exactly how much you can spend without blowing your budget.

Pace is budgeting software, not a financial advisor. Estimates are educational, based on the numbers you provide.