Budgeting that actually sticks: the 50/30/20 rule, simplified

Most budgets fail because they're too detailed to maintain. The 50/30/20 rule works because it's simple enough to actually follow: half for needs, a third for wants, the rest for your future.

• 50% — rent, bills, groceries, transport
• 30% — dining, shopping, entertainment
• 20% — savings, investments, debt

Let the app enforce it

Create a savings rule for the 20% the moment you're paid, and use spending insights to keep wants in their lane. The rule does the discipline so you don't have to.