Build a 50/30/20 Budget From Your Take-Home Pay

You want a budget that isn't a spreadsheet headache. Tell it your monthly take-home and this builds a 50/30/20 split: half on needs, a third on wants, a fifth on savings and debt, with the exact amount and example line items for each. A simple frame you can run from day one.

I earn {MONTHLY_TAKE_HOME} per month after tax. Using the 50/30/20 rule, help me build a complete monthly budget. Needs category: rent/mortgage, utilities, groceries, transport, insurance, minimum debt payments. Wants category: dining out, streaming, hobbies, clothing. Savings/debt category: emergency fund, retirement contributions, extra debt payments. For each category, calculate the exact dollar amount, list 3 to 5 typical line items with suggested sub-allocations, and flag if any of my current fixed costs ({FIXED_COSTS_TOTAL} per month) push my Needs over 50%. If they do, suggest specific adjustments to bring it back in line. Format the output as a table with columns: Category, Bucket, Target %, Dollar Amount, Notes.