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Budget
Rent / mortgage
NEEDS · Target: 25-35% of after-tax income
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FinanceBudget Tracker Template: 50/30/20 Starter
10 min·12 items·Free
Use this template The 50/30/20 rule splits after-tax income: 50% needs, 30% wants, 20% savings and debt. Simple enough to actually use. This template pre-configures 12 categories and enables predictive alerts.
How to use this template
- 1Click "Use template" — 12 budget categories import into DayriOS Finance.
- 2Set your monthly after-tax income in Settings. AI calculates the 50/30/20 split automatically.
- 3Adjust category budgets to match your life (rent in a capital city isn't 15%).
- 4Start logging: snap receipts, import bank PDFs, or type manually. AI categorizes automatically.
- 5You'll get a push alert on your phone and PC 3 days before any category is about to bust.
What's included
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Budget
Groceries
NEEDS · Target: 8-12% of after-tax income
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Budget
Transport
NEEDS · Target: 5-10% (public transport, fuel, car maintenance)
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Budget
Utilities & internet
NEEDS · Target: 3-5%
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Budget
Insurance & health
NEEDS · Target: 2-5%
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Budget
Dining out & delivery
WANTS · Target: 5-10% — often the biggest leak
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Budget
Subscriptions
WANTS · Target: 2-4% (audit every 3 months)
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Budget
Shopping & clothes
WANTS · Target: 3-5%
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Budget
Entertainment
WANTS · Target: 2-5% (cinema, concerts, hobbies)
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Budget
Savings (emergency fund)
SAVINGS · Target: 10-15% until 6 months of expenses saved
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Budget
Retirement / investments
SAVINGS · Target: 5-10%
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Budget
Debt payments (above minimum)
SAVINGS · Target: any remaining savings allocation
Pro tips
- The 50/30/20 rule is a guide, not a law. Adjust for your city and life stage.
- Enable DayriOS Weekend Alert — weekend spending is typically 73% higher.
- Snap every receipt for the first 30 days. After that, only unusual purchases.
- Review weekly, not daily. Daily checking creates anxiety.
- The goal isn't frugality — it's awareness. Know where it goes, then decide.
Import this template to DayriOS
Free account. 30-second setup. All items import with one click — including scheduling and push reminders on your phone and PC.
Get started free