Monthly Budget
Enter your take-home pay once. Your 50/30/20 targets appear, and the summary keeps score all month: target vs. planned vs. actual, per bucket.
Money Parler · Tools
The 50/30/20 Budget Planner
You read the rule. This is the rule, working. One planner that splits your take-home pay into Needs, Wants, and Savings & Debt — then shows you your debt payoff order, your debt-free date, and the exact size of the emergency fund you actually need.
Instant download · Google Sheets + Notion editions · One payment, yours forever, updates included
What’s inside
Four pieces, one system. You type in the yellow cells — everything else calculates itself.
Debt Payoff
List your debts and get the avalanche order — highest APR first — plus an estimated debt-free date that moves when you add extra payments.
Emergency Fund
Pulls your real monthly essentials from the budget tab and sizes your cushion automatically: the target, what’s left, and the month you’ll be fully funded.
Quick-Start Guide + Notion Edition
A five-minute setup guide and the whole system as a Notion page you can duplicate monthly. Same plan, whichever tool you live in.
How it works
1. One number in. Your after-tax, take-home pay. That’s the only number the whole system needs to start.
2. Five minutes of setup. The planner ships with worked examples so you can see the math alive — overwrite them with your real numbers.
3. Ten minutes a week. Fill in what you actually spent. The summary tells you which bucket is drifting. That’s the whole habit.
Most budgets fail because they have forty categories and a guilt trip attached. This one has three buckets and a job: tell your money where to go before the month tells you where it went.
The honest details
Works in Google Sheets, Excel, and Numbers. The Notion edition imports as a page.
Price: $29, once. No subscription, no upsell funnel waiting behind it.
Not fitting the rule? The guide covers high-rent math (60/25/15 is a plan too) and what to do when minimum payments alone break the Needs bucket.
Refunds: if it doesn’t work for you, email us within 14 days and we’ll refund it. Plain talk cuts both ways.
Stop rebuilding your budget every month
Build it once, check it weekly, adjust without the guilt. $29 — less than one month of the subscriptions you’re about to cancel.
Secure checkout by Stripe. You land on the download page the moment payment clears.