Edit Content

Financial.co.ke brings together education, market insight, product clarity and simple tools so you can manage your money, business and investments with confidence.

Subscribe to our weekly newsletter

Subscription Form
50/30/20 Budget Planner - Kenya
🇰🇪 50/30/20 Budget Planner (Kenya)

50/30/20 Monthly Budget

Split your net monthly income into Needs (50%), Wants (30%), and Savings & Debt (20%) using a simple Kenyan context.
Net salary after PAYE, NSSF, SHIF and other statutory deductions.
Please enter a valid income above 0.
Recommended split
KES 0.00
Needs 50% (Rent, food, transport, basic bills)
Wants 30% (Lifestyle, eating out, upgrades)
Savings & Debt 20% (emergency fund, SACCO, investments)
Needs 50%
KES 0.00
0% of income
Rent / Mortgage
Groceries & Household
Transport (matatu, fuel)
Utilities & Bills (power, water, data)
School fees / Child care
Minimum loan repayments
Other essential
Planned Needs: KES 0.00
On track OK
Difference vs 50% target:
KES 0.00
Wants 30%
KES 0.00
0% of income
Eating out & Entertainment
Shopping & Personal care
Subscriptions (TV, music, apps)
Upgrades (gadgets, clothes)
Local travel & holidays
Other lifestyle
Planned Wants: KES 0.00
On track OK
Difference vs 30% target:
KES 0.00
Savings & Debt 20%
KES 0.00
0% of income
Emergency fund
SACCO / Chama contributions
Retirement / Pension extra
Investments (funds, stocks, etc.)
Extra loan repayments
Other savings
Planned Savings: KES 0.00
On track OK
Difference vs 20% target:
KES 0.00
Tip: If your needs are above 50%, start by reducing fixed costs (rent, loans, subscriptions) before cutting all your wants. Use this planner as a guide, not as a strict rule.

About

Financial.co.ke was founded to bridge the gap between everyday financial realities in Kenya and the complex world of markets, products and institutions – through education, context and practical tools.

Menu

Quick Links

Contact

+254 723 645 810

info@financial.co.ke

Vision Plaza, 1st floor, Room 2, Nairobi,Kenya

Copyright © 2025 All Right Reserved financial.co.ke