This popular approach helps you organize your money by dividing your after-tax income into three clear categories, making it easier to stay in control of your spending.

Under this rule, about half of your income is allocated to essential expenses like housing and bills, while a portion goes toward lifestyle choices, and the rest is set aside to build long-term financial security.

Use the budget calculator to instantly see how your monthly income can be split and create a plan that supports smarter spending and saving habits.