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Monthly Money Map
Put every dollar of your take-home pay somewhere and watch how your real spending compares to the 50/30/20 targets. Nothing is sent anywhere. Your numbers stay in this browser.
Needs
Roughly half your take-home. Target: $0 · You've assigned: $0 · Difference: ...
| Category | Monthly |
|---|---|
| Rent or mortgage | |
| Utilities | |
| Groceries | |
| Transport | |
| Insurance | |
| Minimum debt payments |
Wants
Roughly a third. Target: $0 · You've assigned: $0 · Difference: ...
| Category | Monthly |
|---|---|
| Eating out | |
| Subscriptions | |
| Shopping and personal | |
| Going out and travel |
Future
The remaining fifth, at least. Target: $0 · You've assigned: $0 · Difference: ...
| Category | Monthly |
|---|---|
| Emergency fund | |
| Home deposit fund | |
| Extra debt payments | |
| Extra super |
| Total assigned | $0 |
| Left unassigned | $0 |
If your needs are over 50%
In a lot of housing markets they will be, and that doesn't mean you've failed at anything. It means the Wants and Future columns are carrying more pressure than the guideline assumes. The number to protect is the Future column, even if it has to start small.
Numbers not adding up?
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