Needs · Wants · Savings · One Rule
| 50% Needs | 30% Wants | 20% Savings |
|---|---|---|
| Rent/mortgage | Dining out | Emergency fund |
| Utilities | Entertainment | 401k/IRA |
| Groceries | Subscriptions | Debt payoff (extra) |
| Insurance | Shopping | Investment |
| Minimum debt payments | Hobbies | Savings goals |
| Transportation | Travel | Down payment fund |
| Rule | Split | Best For |
|---|---|---|
| 50/30/20 | Needs/Wants/Savings | General — balanced approach |
| 70/20/10 | Living/Savings/Giving | Simple, includes charity |
| 80/20 | Spending/Savings | Ultra-simple, two buckets |
| 30/30/30/10 | Housing/Living/Goals/Fun | More granular |