A household budget calculator based on the popular 50/30/20 rule. Enter your net income, then your real spending, and see whether you're keeping to the plan.
The 50/30/20 rule splits your monthly net income into three parts: 50% for needs (things you can't easily skip), 30% for wants (the nice-to-haves) and 20% for savings and debt repayment. It's a simple starting point that's easy to adapt to your own situation.
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Needs: 50%
Wants: 30%
Savings: 20%
Needs 50%
Wants 30%
Savings 20%
This is how your savings grow if you set aside the planned amount every month.
Move this plan into Portfelik: create budgets for needs, wants and savings with these limits, and the app will add up your spending in each one and show how much is left until the end of the month.
As a starting point, yes — but it often needs adjusting. According to GUS (2024), food alone is about 25% of household spending and housing with energy another ~19%, so for many Polish households 'needs' realistically take 55–70% of income rather than 50%. Treat it as a flexible guide: use the 60/20/20 or 70/20/10 presets if your fixed costs are higher, and aim to protect savings even if it's below 20%.
Needs are things you can't easily skip: rent or mortgage, utilities, groceries, commuting, insurance and minimum loan payments. Wants are lifestyle choices: eating out, subscriptions, hobbies, travel and shopping beyond the basics. The line isn't always sharp — what matters is being honest and consistent.
Net (after-tax) income — the money that actually reaches your account. The rule is built on what you can really spend, not your gross salary.
Your emergency fund, retirement and investing, and any extra debt repayment above the minimums. The 20% is widely treated as a floor, not a ceiling — saving more is better if you can.