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The 50/30/20 rule is a popular budgeting technique. Use this calculator to figure out how to spend your money.

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Ian Group's budget, which he made in an Excel spreadsheet, has helped him pay down six-figures in student loans.

Fixed expenses (rent, insurance) remain constant monthly, while variable expenses (groceries, utilities) fluctuate. The 50/30/20 rule allocates 50% for needs, 30% for wants and 20% for savings and ...

For example: If you make $4,000 per month after taxes, then $2,000 should go toward needs, $1,200 to wants and $800 for savings and paying down debt. Figure out how your monthly budget breaks down ...