Enter your monthly take-home pay and see the three targets. Then, if you want the uncomfortable version, tick the box and compare them against what you actually spend.
After tax and deductions — what actually lands in your account.
Your 50/30/20 targets
Enter your pay
This gives you the targets. The hard part is the next 30 days — knowing, on a Tuesday, whether that purchase still fits. Alfie carries these numbers forward, tracks what you've actually spent against them, and tells you what you're safe to spend today.
Nothing you type here is saved, sent, or tracked. Close the tab and it's gone.
Needs (50%) — what you would still owe if your income stopped tomorrow. Housing, utilities, groceries, transport to work, insurance, minimum debt payments.
Wants (30%) — everything discretionary. Eating out, subscriptions, hobbies, travel, the nicer version of something you could buy cheaper.
Savings and extra debt (20%) — emergency fund, investing, and anything you pay above the minimum on a debt. Minimum payments are a need; the extra is here.
If you live somewhere with expensive housing, needs at 50% may be arithmetically impossible. That is not a failure of your budgeting — it is information about your fixed costs. The framework is still useful as a direction of travel: knowing needs are at 68% tells you the honest conversation is about housing or income, not about coffee.
The rule is also silent on order. If you have high-interest debt, most approaches would put that ahead of investing inside the 20%.
