DIY Wealth Planning

Free Budgeting Tool

The Three-Bucket Budget™

Give Every Dollar a Purpose. Build Wealth with Confidence.

The 50/30/20 rule is a flexible educational guideline, not a mandatory allocation. Your ideal split depends on your income, cost of living, and goals. Use this tool to see where you stand — then decide what adjustments make sense for your situation.

Enter Your Monthly Numbers

All calculations happen instantly in your browser. Nothing is saved or shared.

After taxes and any pre-tax deductions (401k, HSA, etc.)

$
50% target

Housing, groceries, utilities, transportation, insurance, and minimum debt payments.

$
30% target

Entertainment, dining out, shopping, hobbies, subscriptions, and discretionary spending.

$
20% target

Emergency savings, retirement contributions, additional debt repayment, and other financial goals.

$

Request Your Free Budgeting Check-In

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Frequently Asked Questions

This calculator provides general educational estimates, not personalized financial, investment, legal, or tax advice. Individual circumstances vary. Optional coaching is available through Cube Wealth Dimensions.