Half for needs, thirty percent for wants, twenty percent for savings and debt. It is a starting point, not a rule. Enter your monthly take-home pay.
Needs: rent or mortgage, utilities, groceries, insurance, minimum debt payments, transport to work. Wants: eating out, streaming, hobbies, travel. Savings: emergency fund, extra debt payments, retirement.
Turn this into a budget Your income is carried into the sign-up so Ready to assign starts right.
In expensive cities rent alone can be 40% of take-home, so "needs" blow past 50% before groceries. The fix is not to feel bad about it; the fix is a zero-based budget, where the categories are yours and the only rule is that assigned equals income. Use the split above to see roughly where you stand, then build the real one.
Budgetfold