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50/30/20 Budget Stress Test

Check whether your monthly budget is balanced and get personalised fixes in under a minute.

Needs
Wants
Savings
Balanced
Your split: Needs 0% • Wants 0% • Savings 0%

Needs 0% • Wants 0% • Savings 0%

    Download our budgeting spreadsheet Book a 30‑min spending audit
    We don’t store personal numbers. Adjust anytime to see impact instantly.

    What counts as Needs vs Wants?

    Needs: housing, utilities, groceries, transport to work, minimum debt payments.
    Wants: eating out, entertainment, nicer‑to‑have upgrades.
    Savings: emergency fund, investments, extra debt payments.