Budget calculator

Type in your take-home pay and what you spend. See what is left each month. Then compare your split with the 50/30/20 rule and with the average US household.

Survey data: BLS, 2025 · Free, no sign-up · How it works

Pay amount

How often

Pay type

Budget rule

Half for needs, 30% for wants and 20% for savings and debt payoff.

Needs

Amount for needs line 1
Amount for needs line 2
Amount for needs line 3
Amount for needs line 4
Amount for needs line 5
Amount for needs line 6

Wants

Amount for wants line 1
Amount for wants line 2
Amount for wants line 3
Amount for wants line 4
Amount for wants line 5

Savings and debt payoff

Amount for savings and debt payoff line 1
Amount for savings and debt payoff line 2
Amount for savings and debt payoff line 3
Amount for savings and debt payoff line 4

You have

$300

left each month.

Needs take 62% of your pay, wants 18% and savings 14%. If you saved the $300 that is left, savings would reach 20%.

Group	A month	Share of pay	A year
Needs	$3,100	62.0%	$37,200
Wants	$900	18.0%	$10,800
Savings and debt payoff	$700	14.0%	$8,400
Left over	$300	6.0%	$3,600

Against the 50/30/20 rule
Target	The rule	You	Gap
Needs (50%)	$2,500	$3,100	$600 over
Wants (30%)	$1,500	$900	$600 under
Savings and debt payoff (20%)	$1,000	$700	$300 short

Needs take 62% of your pay. The 50/30/20 rule sets 50%. The last bar is how the average US household split its spending in 2025.

You, as shares of your pay

Needs 62%
Wants 18%
Savings and debt payoff 14%
Left over 6%

The 50/30/20 rule

Needs 50%
Wants 30%
Savings and debt payoff 20%

Average US household spending, 2025

Housing and utilities 39%
Transportation 19%
Food 15%
Health 9%
Everything else 18%

You and the average US household, 2025
Group	You	Average	Gap
Housing and utilities	46.8%	38.7%	+8.0 points
Transportation	11.7%	18.8%	−7.1 points
Food	19.5%	14.8%	+4.7 points
Health	5.2%	9.0%	−3.8 points
Everything else	16.9%	18.6%	−1.7 points

Shares of spending. Savings, debt payments and lines you add are left out. One line is left out of the average: money for Social Security and pensions. Your compared lines add up to $3,850 a month.

The numbers behind the gap

Needs of $3,100 would be 50% of a take-home pay of $6,200 a month. That is $1,200 more than now.

Cushion	Amount	At today’s pace	With the left over too
3 months of needs	$9,300	13.3 months	9.3 months
6 months of needs	$18,600	26.6 months	18.6 months

Today’s pace is the $700 a month on your savings lines. Plain adding. Nothing here earns interest.

What if

$225 left
$450 left
$390 left

Hypothetical illustration based on your inputs. Not a prediction, a recommendation, or the performance of any Amaltash strategy.

How it works: we add up the lines you type and take them away from your pay. Nothing here earns interest, and we do not work out your taxes.

Results change each time you change an input.

Fees, taxes and costs are not included unless you enter them.

This page is for information. It adds up what you type and is not advice.

The averages are from the BLS Consumer Expenditure Surveys, 2025. They are averages, not targets.

Your numbers stay in this page. We do not save them, and they never go into the link.

Every line: a month, a year and a paycheck

Line	Group	A month	A year	A paycheck	Share of pay
Rent or mortgage	Needs	$1,500	$18,000	$1,500	30.0%
Power, phone and internet	Needs	$300	$3,600	$300	6.0%
Groceries	Needs	$500	$6,000	$500	10.0%
Getting around (car, gas, bus)	Needs	$450	$5,400	$450	9.0%
Health	Needs	$200	$2,400	$200	4.0%
Minimum debt payments	Needs	$150	$1,800	$150	3.0%
Eating out	Wants	$250	$3,000	$250	5.0%
Fun and subscriptions	Wants	$200	$2,400	$200	4.0%
Shopping	Wants	$200	$2,400	$200	4.0%
Travel	Wants	$150	$1,800	$150	3.0%
Other wants	Wants	$100	$1,200	$100	2.0%
Emergency fund	Savings and debt payoff	$200	$2,400	$200	4.0%
Retirement	Savings and debt payoff	$300	$3,600	$300	6.0%
Other goals	Savings and debt payoff	$100	$1,200	$100	2.0%
Extra debt payments	Savings and debt payoff	$100	$1,200	$100	2.0%
Left over		$300	$3,600	$300	6.0%

Your budget month by month

Month	Saved so far	Left over so far
1	$700	$300
2	$1,400	$600
3	$2,100	$900
4	$2,800	$1,200
5	$3,500	$1,500
6	$4,200	$1,800
7	$4,900	$2,100
8	$5,600	$2,400
9	$6,300	$2,700
10	$7,000	$3,000
11	$7,700	$3,300
12	$8,400	$3,600

Plain adding. Nothing here earns interest.

All the rules side by side

Rule	Targets at your pay	Your gaps
50/30/20	Needs $2,500 · Wants $1,500 · Savings and debt payoff $1,000	Needs $600 over · Wants $600 under · Savings and debt payoff $300 short
60/30/10	Needs $3,000 · Wants $1,500 · Savings and debt payoff $500	Needs $100 over · Wants $600 under · Savings and debt payoff $200 over
70/20/10	Needs and wants $3,500 · Savings and debt payoff $1,500	Needs and wants $500 over · Savings and debt payoff $800 short
80/20	Needs and wants $4,000 · Savings and debt payoff $1,000	Needs and wants on target · Savings and debt payoff $300 short
Custom	Needs $2,750 · Wants $1,250 · Savings and debt payoff $1,000	Needs $350 over · Wants $350 under · Savings and debt payoff $300 short

How does this budget calculator work?

A budget is a plan for your money. Type in your take-home pay, then what you spend on needs, wants and savings. The calculator adds it up. It shows what is left each month and your split by percent. It also sets you next to the 50/30/20 rule and the average US household.

Enter your pay and how often you get it.
Fill in what you spend on each line. Add or remove lines to fit your life.
Pick a rule, like 50/30/20, or set your own split.
Read the result. It shows what is left and how far each group is from its target.

The math is one subtraction.

L = M - (N + W + S)

In words: Start with your pay. Take away needs, wants and savings. What is left is yours to plan.

$L$: what is left over
$M$: your take-home pay for one month
$N$: needs for one month
$W$: wants for one month
$S$: savings and debt payoff for one month

To turn a group into a percent, divide it by your pay.

\text{share} = \frac{B}{M} \times 100

In words: Divide a group by your pay. Multiply by 100 to get a percent.

$B$: one group’s total (needs, wants or savings)
$M$: your take-home pay for one month

Here is the example the page opens with. The numbers are made up.

Group	A month	Share of pay	50/30/20 target	Gap
Needs	$3,100	62%	$2,500	$600 over
Wants	$900	18%	$1,500	$600 under
Savings and debt payoff	$700	14%	$1,000	$300 short
Left over	$300	6%

Take-home pay is the money that lands in your bank account. Taxes and other paycheck deductions are already gone. Some guides call it net income. One guide is from the Consumer Financial Protection Bureau, which we will call the CFPB.

Three things this page does not do:

It does not work out your taxes. You type your own pay.
Nothing earns interest here. It is plain adding and taking away.
It is not advice. It shows your numbers next to common guides.

A budget tracks money coming in and going out each month. Net worth is a different number. It is what you own minus what you owe.

Add up what you own and owe with the net worth calculator →

How do I make a budget?

To make a budget, add up the money you bring home each month. Then list what you spend. Take the spending away from the pay. If the answer is above zero, you have money left to save. If it is below zero, you spend more than you make.

Find your take-home pay for a month. Look at your pay stubs or bank deposits.
List your bills and the day each one is due.
Track what you spend for one month. Small buys count too.
Sort each cost into needs, wants or savings.
Check what is left. Then move money between lines until the plan fits.

The CFPB gives away tools for these steps in its Your Money, Your Goals toolkit:

An income and benefits tracker
A spending tracker
A bill calendar
A cash flow budget

Some costs stay the same each month, like rent. These are fixed costs. Others change, like food and gas. Many people use the average of the last few months for those.

Some bills come once a year, like car insurance. Divide the bill by 12 and set that much aside each month. In the calculator, switch the line to a year and it divides for you.

What is the 50/30/20 rule?

The 50/30/20 rule splits your take-home pay three ways. Half goes to needs, like rent and food. Thirty percent goes to wants, like eating out. Twenty percent goes to savings and paying down debt. On $5,000 a month, that is $2,500, $1,500 and $1,000. It is a guide, not a law.

N = 0.50 \times M, \quad W = 0.30 \times M, \quad S = 0.20 \times M

In words: Half of your pay for needs. Three tenths for wants. Two tenths for savings.

$N$: needs for one month
$W$: wants for one month
$S$: savings and debt payoff for one month
$M$: your take-home pay for one month

The CFPB teaches this rule in its lessons on budgets. Its guide uses net income, which is your take-home pay. It also calls the rule only one rule to live by. Not everyone can follow it.

The table shows the split at seven pay levels. The pay amounts are examples.

Take-home pay a month	Needs 50%	Wants 30%	Savings 20%
$2,000	$1,000	$600	$400
$3,000	$1,500	$900	$600
$4,000	$2,000	$1,200	$800
$5,000	$2,500	$1,500	$1,000
$6,000	$3,000	$1,800	$1,200
$8,000	$4,000	$2,400	$1,600
$10,000	$5,000	$3,000	$2,000

To see how far you are from a target, take the target away from what you spend.

\text{gap} = B - r \times M

In words: Take the group’s target away from what you spend on it. Above zero means over.

$B$: one group’s total (needs, wants or savings)
$r$: the rule’s share for that group, as a decimal
$M$: your take-home pay for one month

Is it a need or a want?

A need is something you must pay to live and work. Rent, food, power and a ride to work are needs. So is the smallest payment on each debt. A want is anything you could skip, like eating out or a trip. Some things are both. You choose the group.

Line	Group
Rent or mortgage	Need
Groceries	Need
Power, water and heat	Need
A ride to work	Need
Minimum debt payments	Need
Eating out	Want
Trips	Want
Streaming and hobbies	Want
Emergency savings	Savings
Retirement	Savings
Extra debt payments	Savings
A phone upgrade	Could be either
A nicer car	Could be either
Pets	Could be either
Giving	Could be either

The CFPB guide lists rent, food, power and rides as needs. It lists dining out, trips and fun as wants. It puts emergency savings and paying down debt with savings.

In the calculator, each line has a group switch. Move a line and the split updates at once.

Budget percentages by category: what the average US household spends

There is no one right set of budget percentages. Here is what US households really spent in 2025. Housing took 33.9% of spending, transportation 16.5% and food 13.0%. The numbers come from the Bureau of Labor Statistics (BLS). They are averages, not targets. Your own split can look very different.

Category	A year	A month	Share
Housing	$27,790	$2,316	33.9%
Transportation	$13,492	$1,124	16.5%
Food	$10,633	$886	13.0%
Personal insurance and pensions	$10,175	$848	12.4%
Healthcare	$6,470	$539	7.9%
Entertainment	$4,084	$340	5.0%
Cash contributions	$2,237	$186	2.7%
Apparel and services	$2,010	$168	2.5%
Education	$1,583	$132	1.9%
Miscellaneous	$1,335	$111	1.6%
Personal care	$986	$82	1.2%
Alcoholic beverages	$630	$53	0.8%
Tobacco	$365	$30	0.4%
Reading	$114	$10	0.1%
All spending	$81,905	$6,825	100%

Housing and transportation are the top two rows. Together they took 50.4% of spending. Add groceries and health, and the four took 66.2%. That was 48.9% of the average income before taxes.

BLS counts consumer units. A consumer unit is close to a household. It can be a family, one person living alone, or people who share their main costs.

One BLS line holds Social Security and pension money. That money often leaves your pay before you see it. So the calculator skips that line when it sets you next to the average.

BLS also leaves out the part of a home loan payment that pays down the loan. So a home owner may see a higher housing share here than the average shows.

Does the 50/30/20 rule work at every income?

No. The rule fits some incomes better than others. In 2025, the lowest-earning fifth of US households spent $37,935 on average. Their average income before taxes was $18,125. The top fifth spent $159,512 and earned $286,188. When pay is low, needs can take far more than half of it.

Households	Income before taxes	Spending	Spending as a share of income
Lowest fifth	$18,125	$37,935	209%
Second fifth (from $32,623)	$46,080	$51,405	112%
Middle fifth (from $60,056)	$78,584	$68,983	88%
Fourth fifth (from $99,007)	$126,349	$92,250	73%
Highest fifth (from $160,635)	$286,188	$159,512	56%
All	$110,847	$81,905	74%

These are averages. They do not show a typical family.
Income here is before taxes.
Spending can pass income when people use savings, borrow or get help.

Is your needs share above the rule? This formula shows the pay at which your needs would fit.

M^{*} = \frac{N}{r_N}

In words: Divide your needs by the rule’s share for needs. That is the pay at which they fit.

$M^{*}$: the take-home pay needed
$N$: needs for one month
$r_N$: the rule’s share for needs (0.50 in the 50/30/20 rule)

In the example at the top, needs are $3,100. They would be half of a take-home pay of $6,200. The calculator also has a 60/30/10 rule and a custom split.

50/30/20 vs 70/20/10, 60/30/10, 80/20 and zero-based budgets

Other budget rules change the three numbers. The 60/30/10 rule gives needs more room and saves 10%. The 70/20/10 rule puts 70% to all spending, 20% to savings and 10% to debt or giving. The 80/20 rule saves 20% first. In a zero-based budget, each dollar gets a line. None is left over.

Here is each rule on $5,000 of take-home pay a month.

Rule	Split	On $5,000 a month
50/30/20	needs, wants, savings	$2,500 · $1,500 · $1,000
60/30/10	needs, wants, savings	$3,000 · $1,500 · $500
70/20/10	spending, savings, debt or giving	$3,500 · $1,000 · $500
80/20	spending, savings	$4,000 · $1,000
Zero-based	every line, until $0 is left	pay − all lines = $0

Envelope budgeting is a hands-on way to keep to a plan. You put the cash for each group in its own envelope. When one is empty, you stop spending from it.

Pay yourself first means you move money to savings on payday, before you spend. No one rule is right for everyone.

Plan for school costs with the college savings calculator →

How much should I spend on rent?

A common guide is to keep rent at or under 30% of your pay before taxes. On $60,000 a year, that is $1,500 a month. The number comes from housing policy. The US government calls a household cost-burdened when housing takes more than 30% of its income.

R = 0.30 \times \frac{A}{12}

In words: Divide your yearly pay before taxes by 12. Then take three tenths.

$R$: monthly rent at the 30% line
$A$: yearly pay before taxes

Pay before taxes, a year	A month	30% line	50% line
$40,000	$3,333	$1,000	$1,667
$50,000	$4,167	$1,250	$2,083
$60,000	$5,000	$1,500	$2,500
$75,000	$6,250	$1,875	$3,125
$100,000	$8,333	$2,500	$4,167
$150,000	$12,500	$3,750	$6,250

The 50% line is a second marker. Past that line, the term used is severely cost-burdened.

Some landlords ask for yearly pay of 40 times the rent. That is the same 30% line, since 12 ÷ 40 = 0.30. Others ask for monthly pay of 3 times the rent, which is 33.3%.

In 2023, 49.7% of US renter households paid more than 30% of their income for housing. That was over 21 million households, the Census Bureau found.

Mind the base. The 30% line uses pay before taxes. The 50/30/20 rule uses take-home pay.

How much should I spend on groceries?

It depends on how many people you feed. In September 2026, the USDA’s Thrifty Food Plan cost $1,024 a month for a family of four. It is the cheapest of four USDA plans for healthy meals made at home. The average US household spent about $541 a month on groceries in 2025.

The USDA is the US Department of Agriculture. Its plans price a healthy diet at four cost levels.

Household	A month
One woman, 20 to 50	$304.68
One man, 20 to 50	$382.80
Two adults, 20 to 50	$630.19
Family of four (children 6 to 8 and 9 to 11)	$1,024.00

USDA prices each person as part of a family of four. For a smaller home it adds a bit. That is 20% for one person, 10% for two and 5% for three.

F = a \times \sum_{j} c_j

In words: Add each person’s food cost. Then apply the USDA factor for your household size.

$F$: the food cost for the household
$c_j$: one person’s monthly cost
$a$: 1.20 for one person, 1.10 for two, 1.05 for three, 1.00 for four

The Thrifty plan matters because it sets the top amount of SNAP. SNAP is the US program that helps people buy food.

The average household also spent $345 a month on eating out in 2025. So 39.0% of its food money went to meals out. These are averages from BLS, not targets.

How much should I save each month?

One common guide is to save 20% of your take-home pay. On $5,000 a month, that is $1,000. The country as a whole saves less. In September 2026, the US personal saving rate was 3.8%. Any amount helps. Saving 20% for one year sets aside enough to cover three months of spending.

That rate is from the Bureau of Economic Analysis, which adds up what all of us save. It is all personal saving as a share of all income after taxes.

s = \frac{S}{M}

In words: Divide what you save by your pay. That is your savings rate.

$s$: your savings rate, as a decimal
$S$: savings and debt payoff for one month
$M$: your take-home pay for one month

m = \frac{12 \times s}{1 - s}

In words: This is how many months of spending one year of saving sets aside.

$m$: months of spending
$s$: savings rate as a decimal; the rest of your pay is spent

The table shows what one year of saving sets aside. It has no interest in it.

You save	One year of saving covers	Months to save 3 months of spending
5%	0.6 months	57
10%	1.3 months	27
15%	2.1 months	17
20%	3.0 months	12
25%	4.0 months	9
30%	5.1 months	7
40%	8.0 months	4.5
50%	12.0 months	3

At the national 3.8% rate, a year of saving covers about 14 days of spending.

To see how long a cushion takes, use this formula.

t = \frac{k \times E}{S}

In words: Multiply your must-pay costs by the months you want covered. Divide by what you save a month.

$t$: months to get there
$k$: months to cover
$E$: must-pay costs for one month
$S$: what you save in one month

The Federal Reserve asks adults about a surprise $400 bill. In 2025, 63% said they would pay it with cash or its equivalent.

Money set aside for surprise costs is called an emergency fund. This page stops at how much you set aside. Other pages pick up from there.

See how big a cushion to keep with the emergency fund calculator →

See how your savings add up in the high-yield savings calculator →

See what a monthly deposit adds up to with the future value calculator →

See how monthly investing grew in the past with the investment calculator →

Check how much you may need with the retirement calculator →

See how your savings rate changes the years until you could stop working, with the FIRE calculator →

How do I budget when I am paid weekly or every two weeks?

Turn each paycheck into a monthly number. If you are paid every two weeks, multiply one check by 26 and divide by 12. A $2,000 check is $4,333 a month, not $4,000. In most years, two months bring a third check. Plan for those extra checks before they come.

M = P \times \frac{n}{12}

In words: Multiply one paycheck by how many you get in a year. Then divide by 12.

$M$: your take-home pay for one month
$P$: one paycheck
$n$: paychecks in a year (52, 26, 24, 12 or 1)

Paid	Checks a year	Checks in a month	Extra checks a year	Their share of yearly pay
Weekly	52	4.333	4	7.7%
Every two weeks	26	2.167	2	7.7%
Twice a month	24	2	0	0%
Monthly	12	1	0	0%

Say you get $2,000 every two weeks. That is $52,000 a year. A budget built on two checks a month plans for $48,000. The other $4,000 has no plan.

The calculator shows what to set aside from each check for every line.

Do you only know your pay before taxes? Take away the share that goes to taxes and deductions.

M = G \times (1 - t)

In words: Take your pay before taxes. Take away the part that goes to taxes and deductions.

$M$: your take-home pay for one month
$G$: monthly pay before taxes
$t$: the share taken out, as a decimal

The calculator does not work out that share. The box starts at a made-up 20%, so type your own. Your pay stub shows it. The IRS also has a free Tax Withholding Estimator.

Pay that changes from month to month is covered in the questions below.

What if I spend more than I make?

First, find the gap. Take your spending away from your take-home pay. Then look at wants, since they are the fastest to change. Next, check the big needs, like housing and your car. Small costs add up too. Five dollars a day is $1,825 a year.

Y = d \times 365

In words: Multiply a daily cost by 365 to see a year of it. For a weekly cost, use 52. For a monthly cost, use 12.

$Y$: the cost for one year
$d$: the cost for one day

Repeat cost	A year	Share of $60,000 take-home pay
$3 a day	$1,095	1.8%
$5 a day	$1,825	3.0%
$10 a day	$3,650	6.1%
$25 a week	$1,300	2.2%
$50 a week	$2,600	4.3%
$15 a month	$180	0.3%
$50 a month	$600	1.0%

The what-if buttons under the result try three changes. They are rent up 5%, pay up 3% and wants down 10%.

Card debt can make the gap wider, since interest is added to what you owe. Investor.gov is a US government site for people who invest. It says no plan to invest pays off as well as clearing debt with a high rate.

See what a card balance costs with the APR calculator →

Prices move too. Take a budget of $4,000 a month at the end of 2020. It needed $4,976 at the end of 2025 to buy the same things.

B_{\text{now}} = B_{\text{then}} \times \prod_{y}(1 + i_y)

In words: Raise the old budget by each year’s price change, one year after another.

$B_{\text{now}}$: the budget that buys the same things now
$B_{\text{then}}$: the old budget
$i_y$: the price change in year y, as a decimal (past data)

From the end of	Years	Price change	Needed at the end of 2025
2024	1	+2.7%	$4,107
2020	5	+24.4%	$4,976
2015	10	+37.0%	$5,480

These are past price changes from the Consumer Price Index. They are not a forecast.

Money you free up can go to savings. How it grows with interest is its own topic.

See how small amounts grow with the compound interest calculator →

Questions people ask

Is the 50/30/20 rule based on gross or net income?

Net income. That means your take-home pay, after taxes and other paycheck deductions. A teaching guide from the CFPB, a US consumer agency, says to make a budget with net income. Do you only know your pay before taxes? Switch the calculator to that mode and type the share taken out.

Does my 401(k) count toward the 20%?

Yes. In this tool, money you save to retire counts as savings. A 401(k) is a retirement plan at work. Its money often leaves your paycheck before you see it. If you budget from take-home pay, add that amount back to your pay first. Then list it under savings.

Are debt payments a need or savings?

Both. The smallest payment you must make on each debt is a need, because skipping it has a cost. Anything you pay on top of that goes with savings. That is the usual way to sort it. The CFPB’s guide lists paying down debt in the 20% group.

Can I use this as a budget template or spreadsheet?

Yes. Press Download CSV to save every line as a file. It opens in Excel, Google Sheets or any spreadsheet program. You can keep it as your own budget template. Press Print for a paper copy. Your pay, each line and the totals are all in it.

What is a zero-based budget?

It is a budget where pay minus planned spending and saving equals zero. Every dollar gets a line before the month starts. Nothing is left without a plan. Zero does not mean you spend it all. Savings is one of the lines. Pick Zero-based in the calculator to try it.

How often should I update my budget?

Check it each month, and redo it when your pay, rent or family changes. Prices move too. From the end of 2020 to the end of 2025, US consumer prices (CPI) rose about 24%. A $4,000 monthly budget from 2020 needed about $4,976 by then to buy the same things. That is past data, not a forecast.

How do I budget if my income changes every month?

Add up your take-home pay for the last 12 months and divide by 12. That is your average month. Some people plan their needs around their lowest month and save the extra in good months. The calculator’s Yearly pay option does the dividing for you.

Is this budget calculator free, and is my data saved?

Yes, it is free, with no sign-up. Your numbers stay in this page. We do not save them, and they never go into the link. Close the tab and they are gone. Print or download your budget if you want to keep it.

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Reviewed by Tavish Sharma, CFA · Last reviewed Nov 12, 2026

Published by Amaltash Advisors LLC, an SEC-registered investment adviser

Sources

Consumer Expenditures, 2025 (news release USDL-26-1619), US Bureau of Labor Statistics
Consumer Expenditure Surveys: glossary, US Bureau of Labor Statistics
Learning about budgets (teacher guide), Consumer Financial Protection Bureau
Your Money, Your Goals toolkit, Consumer Financial Protection Bureau
An essential guide to building an emergency fund, Consumer Financial Protection Bureau
Report on the Economic Well-Being of U.S. Households in 2025 (May 2026): executive summary, Federal Reserve Board
Nearly Half of Renter Households Are Cost-Burdened, Proportions Differ by Race (CB24-150), US Census Bureau
About Income, US Census Bureau
Personal Saving Rate, US Bureau of Economic Analysis
USDA Food Plans: Monthly Cost of Food Reports, US Department of Agriculture, Food and Nutrition Administration
Tax Withholding Estimator, Internal Revenue Service
Consumer Price Index for All Urban Consumers (CPIAUCNS), Federal Reserve Bank of St. Louis (FRED)
Pay Off Credit Cards or Other High Interest Debt, Investor.gov, US Securities and Exchange Commission