Budget calculator
Put in what you take home each month. See a 50/30/20 split, and what’s left to spend per day once your rent, bills and saving are set aside.
Left to spend
$1,500
About $50 a day for the next 30 days.
The 50/30/20 starting point
- Needs (50%)$2,000
- Wants (30%)$1,200
- Saving (20%)$800
That leaves room for groceries, getting around and the things you enjoy. Spend about the daily figure, and payday arrives with the bills paid and the saving set aside.
Left to spend
AED 5,100
About AED 170 a day for the next 30 days.
The 50/30/20 starting point
- Needs (50%)AED 6,000
- Wants (30%)AED 3,600
- Saving (20%)AED 2,400
That leaves room for groceries, getting around and the things you enjoy. Spend about the daily figure, and payday arrives with the bills paid and the saving set aside.
Left to spend
₹21,000
About ₹700 a day for the next 30 days.
The 50/30/20 starting point
- Needs (50%)₹25,000
- Wants (30%)₹15,000
- Saving (20%)₹10,000
That leaves room for groceries, getting around and the things you enjoy. Spend about the daily figure, and payday arrives with the bills paid and the saving set aside.
Left to spend
£900
About £30 a day for the next 30 days.
The 50/30/20 starting point
- Needs (50%)£1,250
- Wants (30%)£750
- Saving (20%)£500
Your rent and bills take 52% of your pay. Where rent is high, needs often go past half, and 60/25/15 can be the more honest start.
The sums run in your browser. Nothing you type is saved or sent to Flo.
How the numbers work
The 50/30/20 split divides take-home pay three ways: half for needs, 30% for wants and 20% for saving. It’s a starting point, not a rule. Where rent is high, needs often go past half, and 60/25/15 is common.
What’s left to spend is your pay less your rent and bills and the money you set aside, saving and money sent home included. Divided by the days until payday, it becomes a daily number: spend about that each day, and the month works out.
For a worked example, see how to budget on an AED 12,000 salary in Dubai.
Flo Money keeps the same daily number for your real month, updated as you spend. It’s free, and works in any currency.
Let Flo keep the numbers for you
Say what you spent, and Flo shows what’s left this month and per day. Free, with no bank login.