The 50/30/20 Cash-Flow Plan
A clean, defensible framework: 50% for what you need, 30% for what you want, 20% to build wealth. Adjust to your life — see what compounds.
Savings auto-calculated as the remainder (20%).
Needs
$4,250/mo
Rent, groceries, insurance, minimum debt
Wants
$2,550/mo
Dining, travel, hobbies, subscriptions
Savings & Investing
$1,700/mo
Retirement, brokerage, debt paydown beyond minimums
10-Year Wealth at 7%
$281,856
From $20,400 saved annually
Educational tool only — not personalized financial advice. Real budgets depend on local cost of living, debt structure, family size, and tax situation.
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