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See how your spending stacks up against the 50/30/20 rule. Get a grade and specific recommendations.
Needs work. Several categories are off-target.
Based on 50/30/20 allocation targets
Needs
Wants
Savings
$400 Unaccounted For
You have money that isn't categorized. Consider tracking where this goes or allocating it to savings.
Needs Are Too High
Your necessities consume 62% of income (target: 50%). Look for ways to reduce housing, transportation, or recurring bills.
Savings Rate Critical
You're only saving 14% (target: 20%). At this rate, building an emergency fund or retirement will be very slow.
Total Income
Total Expenses
Needs (50%): Essential expenses you can't avoid—housing, food, healthcare, minimum debt payments, basic transportation.
Wants (30%): Lifestyle choices that enhance life but aren't essential—dining out, entertainment, hobbies, shopping beyond necessities.
Savings (20%): Building your future—emergency fund, retirement, investments, extra debt payments beyond minimums.
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How the AI uses this data
"Your 22% savings rate is solid, but your subscriptions are eating $200/month you might not notice. Want me to run the vampire analysis?"
Connects budget insights to other financial calculators.