What is the 50/30/20 rule and how does the tool apply it?

The 50/30/20 rule suggests allocating 50% of net income to needs, 30% to wants, and 20% to savings and debt repayment. The tool compares your entered expenses against these three targets to show where you're over or under.

How many expense categories are supported?

There are 10 built-in categories (such as rent, groceries, transport, bills, and entertainment). You enter a monthly amount for each to build your total spending.

How is the net balance calculated and what does it mean?

Net balance equals your total monthly income minus the sum of all category expenses. A positive value is money left to save, while a negative value signals a budget shortfall.

What does the category distribution bar show?

The distribution bar visually shows each category's share as a percentage of your total spending. This lets you spot at a glance which expense is straining your budget the most.

What should I do if my balance comes out negative?

A negative balance means your expenses exceed your income; start by trimming the 'wants' with the biggest share on the distribution bar. Compare against the 50/30/20 targets to identify which group is inflated.

Do the budget results count as financial advice?

No, the results are estimates for informational purposes only; the 50/30/20 framework is general and may not fit everyone. For important financial decisions, consult a qualified financial advisor.

Should I enter net or gross income?

For accurate results, enter your net (take-home, after-tax) income, since the 50/30/20 rule is based on net earnings. Using gross income will skew the ratios away from reality.

Personal budget planner — Free Online

⚠️

Bu araç yalnızca hesaplama yapar; yatırım veya finansal tavsiye değildir. Oranlar ve vergi tutarları zamanla değişir; işlem yapmadan önce resmi kaynaktan (banka, muhasebeci, SPK lisanslı danışman) doğrulayın.

Monthly Income

Primary Income (₺)

Additional Income (₺)

Total Income

₺40.000

Total Expenses

₺33.998

Net Balance

₺6.002

Spending Rate: %85,0Savings Rate: %15,0

Needs (%79)

Wants (%1)

Save (%5)

Category Breakdown

🏠Housing/Rent

%51₺20.500

🍔Food/Groceries

%21₺8.598

💰Savings

%5₺2.000

🚗Transportation

%4₺1.500

💊Health

%3₺1.000

🎬Entertainment

%1₺400

Expense Items

🏠KiraMo₺18.000₺18.000/ay

🏠Elektrik/Su/DoğalgazMo₺2.500₺2.500/ay

🍔MarketMo₺6.000₺6.000/ay

🍔Dışarıda YemekWk₺600₺2.598/ay

🚗Toplu TaşımaMo₺1.500₺1.500/ay

💊İlaç/DoktorMo₺1.000₺1.000/ay

🎬Netflix/SpotifyMo₺400₺400/ay

💰BESMo₺2.000₺2.000/ay

Add Expense

📖 How to Use

Upload document

Drag-drop or pick file.

Set options

Choose operation and parameters.

Process

Server runs the task.

Download

Get result in your format.

💰 Bu araç finansal danışmanlık değildir, sadece hesaplama yardımcısıdır. Yatırım kararları için SPK lisanslı bir yatırım danışmanına başvurun. Geçmiş performans gelecek getiriyi garanti etmez.

Frequently asked questions

Enter your monthly income, then fill in your expenses across the 10 spending categories. The tool automatically calculates your net balance and breaks your budget down by the 50/30/20 rule.

Personal Budget Planner

📖 How to Use

Frequently asked questions