50 30 20 Budget Calculator
How to use the 50/30/20 calculator?
- Enter estimated amounts in all of the "Income" fields that apply to you or your family.
- Calculate your after-tax income.
- Be sure to round up to the nearest euro—don’t use commas or periods.
Your Monthly income after taxes
Your Summary
50/30/20 breakdown
This is how you should be budgeting your income based on the 50/30/20 rule.
Needs
€1,000.00
Wants
€600.00
Savings
€400.00
Frequently asked questions
- Monthly rent
- Electricity and gas bills
- Transportation
- Insurance (healthcare, car, or pets)
- Groceries
- Dining out
- Shopping
- Holidays
- Gym memberships
- Entertainment subscriptions (Netflix, HBO, Spotify)
- Groceries (other than the essentials)
- Money for emergency expenses
- Retirement investments
- Long-term personal financial plans
- A down payment on real estate
- Investments in your education
Learn more about budgeting
The 50/30/20 rule: how to budget your money more efficiently
The 50/30/20 budget is beautiful in its simplicity. It can help you divide your income into categories that make saving easy.
5 smart budgeting tips for first-time savers
Budgeting doesn’t need to be stressful or confusing. These simple budgeting tips show you how you can start saving today.
Personal financial planning—tips on setting yourself up for the future
The best way to safeguard your future? Start personal financial planning today. Read on to learn how.
Find a plan for you
N26 Standard
The free* online bank account
€0.00/month
A virtual debit card
Free payments worldwide
Deposit protection
N26 Smart
The bank account that gives you more control
€4.90/month
N26 You
The debit card for everyday and travel
€9.90/month
Up to 5 free withdrawals in the Eurozone
Flight and luggage delay cover
Medical emergency cover
Winter activities insurance
Pandemic coverage
N26 Metal
The premium account with a metal card
€16.90/month
An 18-gram metal card
Up to 8 free withdrawals in the Eurozone
Purchase protection
Phone insurance
Dedicated N26 Metal line