50/30/20 Budget Template | Digital Download

The 50/30/20 budgeting method is a straightforward framework for managing your finances by dividing your after-tax income into three primary categories. It’s flexible—you can adjust the percentages to fit your lifestyle (such as 60/20/20 if you live in an area with higher housing costs), but it provides an easy starting point.

Example:
If you take home $4,000/month after taxes:

• $2,000 (50%) → Needs
• $1,200 (30%) → Wants
• $800 (20%) → Savings & Debt

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