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    bank better, live better

    budgeting tool

    Use this budgeting tool to see how you should be trying to split your household income based on the 50-30-20 ratio.

    The 50-30-20 ratio gives you a good idea of how you should approach splitting your budget based on your household income and whether you have any children.

    The ratio

    50%: Essential expenses 

    30%: Financial priorities 

    20%: Lifestyle choices

    By using the tool, you will be able to explore these categories in more detail and make some decisions about your financial priorities. It's a great way to start getting serious about your budget.

    Use of this budgeting tool is subject to Capitec Bank’s website ​​terms of use​​. Capitec Bank Limited is not an authorised financial services provider in terms of the Financial Advisory and Intermediary Services Act 2002. Capitec Bank is not authorised to and does not provide financial advice. This budgeting tool should not be construed, or relied upon, as advice. If you require financial advice, please engage the services of an independent financial adviser.