How does the 50/30/20 budget rule work?

The 50/30/20 rule divides your after-tax income into three categories: 50% for needs (rent, bills, groceries), 30% for wants (dining, entertainment, shopping), and 20% for savings and debt repayment.

What is the FIRE movement?

FIRE stands for Financial Independence, Retire Early. The core idea is to save and invest aggressively — typically 50-70% of your income — so your investments generate enough passive income to cover your living expenses.

How is FIRE independence calculated?

The calculator uses the 4% rule: multiply your annual expenses by 25 to get your FIRE number (the investment portfolio size needed). It then projects how many years it will take to reach that number based on your current savings, monthly contributions, and expected return rate.

Budget & Net Worth Tracker

Track your net worth, budget with the 50/30/20 rule, set savings goals, and plan for FIRE independence — all in your browser.

💰 Net Worth

Assets minus liabilities = your net worth. Data saved in your browser.

Cash & Bank

Investments

Property Value

Other Assets

Mortgage / Loans

Credit Card Debt

Other Liabilities

Total Assets

Total Liabilities

Net Worth

📊 50/30/20 Budget

Enter your after-tax income to see the ideal split.

Monthly After-Tax Income

50%

30%

20%

Needs (50%)

Wants (30%)

Savings (20%)

Needs

Wants

Savings

🎯 Savings Goal Tracker

Set a target and see how much to save each month.

Goal Name

Target Amount ($)

Current Savings ($)

Target Date

Monthly Needed

Progress

🔥 FIRE Independence Calculator

Use the 4% rule to estimate your retirement timeline.

Current Savings ($)

Monthly Contribution ($)

Annual Return (%)

Annual Expenses ($)

FIRE Number (25x Expenses)

Years to Independence

Retirement Age

How It Works

Four financial tools in one dashboard.

💰

Net Worth

Add assets and liabilities to instantly see your net worth. Track it over time with data saved in your browser.

📊

50/30/20 Budget

Enter your after-tax income to see the ideal split between needs, wants, and savings using the popular budgeting rule.

🎯

Savings Goal

Set a target amount and date. See a visual progress chart and how much you need to save each month to reach it.

🔥

FIRE Calculator

Calculate your FIRE number (25x annual expenses) and estimate how many years until financial independence.

Frequently Asked Questions

Common questions about personal finance tracking.

Net worth is the difference between your total assets (cash, investments, property) and total liabilities (debts, loans, mortgages). A positive net worth means you own more than you owe.

The 50/30/20 rule divides your after-tax income: 50% for needs (rent, bills, groceries), 30% for wants (dining, entertainment, shopping), and 20% for savings and debt repayment.

FIRE stands for Financial Independence, Retire Early. The core idea is to save and invest aggressively so your investments generate enough passive income to cover your living expenses.

The calculator uses the 4% rule: multiply your annual expenses by 25 to get your FIRE number. It then projects years to reach that number based on savings, contributions, and returns.

No data is sent to any server. Everything you enter is saved locally in your browser's localStorage. Your financial information never leaves your device.