Float
50/30/20 budget calculator
Enter your take home pay and see it split into needs, wants and savings.
- Needs 50% per fortnightly pay
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- Wants 30% per fortnightly pay
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- Savings 20% per fortnightly pay
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Sneak peek: sample numbers you can change. Nothing is saved unless you turn on guest mode.
Fortnight, 19 Oct to 1 Nov
$0.00
$1,420.00 in, minus $1,358.00 bills and $62.00 BNPL
1 deal ends soon
- Mobile plan, ends in 4 days (Fri, 23 Oct)$39.00
Check the price before it rolls over, then update the amount here once you know the new one.
Where it goes
Fortnight, 19 Oct to 1 Nov
Income
Pay landing in this window
+$1,420.00
Wages
Thu, 22 Oct, fortnightly
$1,420.00
Bills due
Biggest first
-$1,358.00
Rent
Mon, 19 Oct, weekly
$620.00Rent
Mon, 26 Oct, weekly
$620.00Internet
Sun, 25 Oct, monthly
$79.00Mobile plan
Sat, 24 Oct, monthly
Deal ends in 4 days
$39.00$55.00save $16.00
Afterpay and BNPL
Instalments and plans
-$62.00
Afterpay
Wed, 21 Oct, fortnightly
$62.00
Coming soon
Float accounts and sync across your devices
Everything above is free to use now. Saving to an account is not available yet. Join the waitlist and I will email you when it opens.
What the rule means
Needs are the costs you cannot skip, like rent, groceries and transport. Wants are the extras. Savings includes paying down debt. It is a starting point, not a strict rule.
Compare with your real bills
Your actual bills may be more or less than half. Float below shows the real figure for this period.
Questions
Should I use my pay before or after tax?
After tax. Use the amount that lands in your account.
Do BNPL instalments count as needs or wants?
It depends on what you bought. Many people count them by the purchase, so a fridge is a need and a jacket may be a want.
What if my needs are more than 50%?
That is common when rent is high. Adjust the split to suit you and watch the trend over a few pays.
Not affiliated with Afterpay or any buy now pay later provider.