Method
60 30 10 rule: needs, wants and savings on a calendar
The 60/30/10 rule gives 60% of income to needs, 30% to wants, and 10% to savings. It is a friendlier cousin of 50/30/20, leaving more room for enjoyment. The catch is the same as any percentage plan: the split has to survive the calendar, where rent and payday rarely cooperate.
- Needs, wants, savings
Three buckets that map to most people's spending reality.
- Dated buckets
Needs have due dates; wants and savings have funding dates.
- Savings auto-transfer
The 10% moves automatically on payday, every payday.
- Overdraft warning
See if needs consume the bucket before wants can be funded.
Where 60/30/10 shines
Unlike stricter methods, 60/30/10 budgets fun in explicitly — 30% of income is allowed to be wants. That makes it sustainable for people who bounce off zero-based budgeting. The calendar keeps the wants bucket honest: if wants run out by the 12th, the projection shows it.
Set it up in minutes
- Enter payday and fixed needs as recurring items.
- Create a 10% savings transfer on payday.
- Add wants as they are spent and watch the bucket total.
Frequently asked questions
What is the 60/30/10 rule?
A percentage budget: 60% of income to needs, 30% to wants, 10% to savings.
Who is 60/30/10 for?
People who want a simple, sustainable split with room for enjoyment — and who want to see it working day by day.
Is it free to try?
Yes. The calendar and recurring plans are free forever.
A budget with room to breathe — and dates to keep
Free core, one-time Pro.