How to split your salary: the 50/30/20 rule
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Example: change the values to see your own case
Your fixed expenses are 58% of your salary, above 50%. See if you can cut back here, or adapt the rule to 60/20/20.
How it was calculated
50% for essentials (housing, food, bills, transport), 30% for things you enjoy (leisure, dinners out, shopping) and 20% for saving or paying off debt. It is a guideline, not a strict rule. With high rents, many people adapt it to 60/20/20.
Frequently asked questions
What is the 50/30/20 rule?
50% of salary for essentials, 30% for things you enjoy and 20% for saving or paying off debt.
What if my rent is very high?
Many families adapt it to 60/20/20. What matters is always keeping a share for saving.