Plan your monthly budget: track spending by category, see what's left and check your savings rate.
A budget calculator turns your salary into a plan. Enter your monthly take-home pay and spending by category to see your total expenses, what is left over, your savings rate, and how you score against the popular 50/30/20 rule (50% needs, 30% wants, 20% savings).
Example: With AED 15,000 income and AED 11,500 total expenses, you have AED 3,500 left — a savings rate of 23.3%, which beats the 20% target of the 50/30/20 rule.
Spend at most 50% of take-home pay on needs, 30% on wants, and save at least 20%. It is a guideline, not a law — in high-rent cities like Dubai, housing alone can break the 50%.
20% is the classic target. Anything above 10% is a solid start; above 30% puts you well ahead.
Always on take-home (net) pay — the money that actually reaches your account.
Divide annual costs (insurance, flights home, school fees) by 12 and include them monthly so they don't surprise you.
