Budget
Budget models: 50/30/20 and zero-based
Enter your net income and expenses once, and we show the same budget through two well-known models — plus how much you can free up for saving each month.
Your items
Adjust the amounts and pick a category. Everything is calculated in your browser.
Starting amounts are examples inspired by the Swedish Consumer Agency's household budget — check current figures at Konsumentverket. Swedish Consumer Agency reference values
50/30/20
Elizabeth Warren's well-known budget model
Half to needs, 30 % to wants and 20 % to savings.
1,300 SEK above target. Above 50 %? Housing and loans are usually the only items that move the needle.
5,800 SEK below target.
2,100 SEK below target. Below 20 %? Start with an automatic transfer on payday.
Zero-based budget
Maximise your savings
Give every krona a clear purpose and assign your whole income until zero is left.
- Assigned
- 21,400 kr
- Left to assign
- 6,600 kr
50/30/20
Elizabeth Warren's well-known budget model
Half to needs, 30 % to wants and 20 % to savings.
1,300 SEK above target. Above 50 %? Housing and loans are usually the only items that move the needle.
5,800 SEK below target.
2,100 SEK below target. Below 20 %? Start with an automatic transfer on payday.
What the budget frees up
This is what remains once needs and wants are paid.
Possible monthly saving
10,100 kr
Needs: 15,300 kr · Wants: 2,600 kr · Savings: 3,500 kr
Run the savings numbers →