Our new Budget by Buckets layout gives you a practical 50/30/20 view without the math. Needs (50%), Wants (30%), Savings/Debt (20%)—enter your take-home pay and drag categories where they belong. The page totals update instantly and flag overspending with a gentle warning, not a lecture. Why buckets? They help you balance the month without tracking every single transaction. If you want more detail, you still can, but most people only need a quick reality check. Pair this method with a weekly 10-minute review and you'll stay on track without burnout.