Analytics
50/30/20 split (based on income baseline)
Incoming / month (baseline)
€0,00
From active income commitments
Needs (target 50%)
€0,00
—
· target €0,00
Wants (target 30%)
€0,00
—
· target €0,00
Savings (target 20%)
€0,00
—
· target €0,00
What is 50/30/20?
A simple budgeting rule of thumb: aim to keep needs around 50% of income, wants around 30%, and savings around 20%.
It’s not a strict rule—use it to sanity-check whether your fixed costs leave enough room for fun spending and saving.
How Moneytrail maps it
Moneytrail uses tags to decide what counts as needs/wants/savings.
Categories can be tagged (commitments + budgets follow their category).
Goals can be tagged (goal reserves follow the goal tag).