Aomly50/30/20 budget calculator
Enter what you're paid each month after tax. See how the 50/30/20 rule splits it into needs, wants and savings, and try a different split if your rent or debt needs more.
Needs are what you'd have to pay even in a tight month. If they take more than half your pay, pick 60/20/20 or 70/20/10 for now, and keep something for savings.
- Needs · 50%Rent, bills, food, travel to work, minimum debt payments฿15,000a month
- Wants · 30%Eating out, shopping, trips, subscriptions฿9,000a month
- Savings & debt · 20%Savings, an emergency fund, paying debt down faster฿6,000a month
A budget that runs itself
Put your bills, savings goal and debt into Aomly once. Each morning it takes them out and tells you what's left to spend today, so the split holds without a spreadsheet.
- Bills and savings taken out first
- What you can spend today, every morning
- Overview shows where the month's pay went
Making the split work
Count needs honestly
A need is something you'd still pay in a hard month: rent, power, food at home, the minimum on a debt. A new phone on installment usually isn't.
Adjust, don't give up
In Bangkok, rent alone can be a third of a first salary. 60/20/20 or 70/20/10 is fine; the point is that savings always gets something.
Debt goes in the 20%
Paying more than the minimum on a card or loan counts as saving, since it stops interest. At 16% a year, it often beats a savings account.
Look at wants a day at a time
The wants share divided by 30 is your everyday allowance for the fun stuff. Easier to keep to than a monthly total.
Questions
What is the 50/30/20 rule?
A simple way to split pay after tax: 50% for needs, 30% for wants and 20% for savings and paying off debt. For example ฿30,000 a month is ฿15,000 for needs, ฿9,000 for wants and ฿6,000 to save.
What if my needs are more than 50%?
Use a split that fits, such as 60/20/20 or 70/20/10, and look at which need could get smaller over time, like rent or an installment.
Should I use pay before or after tax?
After tax and social security: the amount that actually reaches your account.
Is it free? Is anything saved?
It's free, with no account to make. The numbers stay on this page and aren't sent anywhere.