50% needs · 30% wants · 20% savings
The 50/30/20 method, applied automatically
The 50/30/20 rule is the simplest way to keep a budget: 50% of income for needs, 30% for wants, 20% for savings. The hard part is sticking to it in real life. TRYA does it for you: every expense is sorted automatically, and you see in real time where you stand in each bucket.
From theory to your bank account
The 50/30/20 budget built in
No need to build it: enter your income, TRYA splits it into needs, wants and savings, and tracks each bucket in real time throughout the month.
Automatic categorisation
TRYA's AI files each expense in the right bucket: rent under needs, restaurants under wants, savings transfers under savings. Fix any miss with one tap and TRYA remembers your rule.
Your banks connected
Sync your accounts — 1,500+ banks across 31 countries — and your budget fills itself. The Free plan lets you enter everything by hand.
Envelopes on top
Need more granularity? Create custom envelopes — groceries, fuel, holidays — and track them alongside the 50/30/20 split.
Frequently asked questions
What is the 50/30/20 method?
A rule for splitting net income: 50% for needs (rent, groceries, bills), 30% for wants (going out, shopping), 20% for savings and debt repayment. It was popularised by Elizabeth Warren.
Is the 50/30/20 budget included in the Free plan?
Yes. The Free plan includes the 50/30/20 budget with manual transaction entry. Automatic bank sync and unlimited envelopes are part of TRYA+ (€7.99/month or €49.99/year).
What if my rent is more than 50% of my income?
That's common in big cities. The method still works as a compass: what matters is knowing your real split and improving it over time. TRYA shows you exactly where you stand, no judgement.
How does the app know if an expense is a need or a want?
Automatic categorisation is based on the merchant and the type of expense. You can reclassify any transaction with one tap, and TRYA applies your rule from then on.
Can I combine 50/30/20 with other methods?
Yes: budget envelopes and zero-based budgeting pair well with the 50/30/20 rule. TRYA runs custom envelopes alongside the main split.
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