Savings & Budget Rechner 2026

Why savings and budgeting matter

Savings give you a safety net and help you reach goals like an emergency fund, down payment, or retirement. A budget helps you see where your money goes and allocate income to needs, wants, and savings. Our savings and budget calculators help you plan how much to save and how to allocate your income.

Common savings goals

• Emergency fund: 3–6 months of expenses in a liquid account.
• Down payment for a home or car.
• Education or retirement corpus.
• Large purchases or vacations.

Budgeting: the 50/30/20 rule

A simple rule is to put 50% of after-tax income toward needs (rent, utilities, groceries, insurance), 30% toward wants (dining, entertainment), and 20% toward savings and debt repayment. You can adjust these percentages to your situation. The key is to save consistently and spend within your plan.

Use our savings calculators

Use our free savings calculator to see how much you need to save each month to reach a goal, and our budget calculator to plan your spending. No signup required. Results are estimates based on the inputs you provide.