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💰 FINANCIAL WELLNESS BUDGET PLANNER
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Built on the 50/30/20 Financial Wellness Guideline — Enter your salary and let the sheet do the work!
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⚙️ YOUR INPUTS
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Monthly Salary (after tax)10,000.00← Enter your take-home pay
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Other Monthly Income (optional)0.00← Freelance / rental / other
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TOTAL MONTHLY INCOME10,000.00
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📐 SALARY ALLOCATION — THE 50 / 30 / 20 RULE
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Category% of IncomeMonthly AmountYour Budget
(Sheet 2)		Status
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🏠 NEEDS (Essentials)50%5,000.00Rent, food, bills, transport✅ On Track
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🎉 WANTS (Lifestyle)30%3,000.00Dining, subscriptions, shopping✅ On Track
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💰 SAVINGS & DEBT20%2,000.00Emergency fund, savings, debt pay✅ On Track
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TOTAL100%10,000.00✅ Should always equal 100%
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💡 BEGINNER TIPS
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🟢 NEEDS (50%)These are must-pay bills. If this exceeds 50%, look for ways to reduce rent, transport or groceries first.
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🔵 WANTS (30%)Dining out, Netflix, shopping — enjoy life! But cap it at 30% to stay on track.
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🟣 SAVINGS (20%)Pay yourself first. Transfer savings on payday, not what's left at month-end.
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⚡ Golden RuleIf you can't afford it from your WANTS bucket — save for it, don't borrow for it.
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