PAYCHECK % WORKSHEET
Split every paycheck into needs, wants, savings & debt 🌿
Paycheck $
Pay Date
The 50 / 30 / 20 rule — a simple starting split you can bend to fit your real life.
50 / 30 / 20
50%
Needs
Target = $
30%
Wants
Target = $
20%
Savings & Debt
Target = $
NEEDS — 50%
rent, bills, groceries
Rent / Mortgage
$
Utilities
$
Groceries
$
Transportation / Gas
$
Insurance
$
Phone / Internet
$
Childcare / Medical
$
Minimum Debt Payments
$
Other Need
$
▶ Total Needs
$
WANTS — 30%
the fun stuff
Eating Out / Coffee
$
Entertainment / Streaming
$
Shopping / Clothing
$
Hobbies / Personal
$
Other Want
$
▶ Total Wants
$
SAVINGS & DEBT — 20%
future you
Emergency Fund
$
Sinking Funds
$
Extra Debt Payoff
$
Retirement / Investing
$
▶ Total Saved
$
Needs 50%
$
Wants 30%
$
Savings 20%
$
Left Over ✓
$
"There's no perfect split — the best one is the plan you can actually stick to." 🌿
📝 My Adjustments & Reminders