4 budgeting methods — pick the one that fits how you live.
SmartJib splits income into needs, wants, savings automatically. Choose a starting structure that matches your Moroccan salary, rent, and savings goal.
A budgeting method gives each part of your income a default job. It reduces decisions each month, but it cannot know your rent, family responsibilities or irregular income. The useful question is not which method is best everywhere — it is which starting structure most closely resembles your real obligations. Read our guide on picking a budgeting style and how to track in MAD and dirham.
50/30/20 Rule
50% needs, 30% wants, 20% savings. Balanced starting point.
Learn 50/30/20 budgeting for Moroccan salaries →Zero-Based Budgeting
60% needs, 25% wants, 15% savings. Give every dirham a job.
Zero-based budgeting guide — give every MAD a job →Envelope Budgeting
55% needs, 35% wants, 10% savings. Visible limits.
Envelope budgeting — visible limits for cash spending →Pay Yourself First
45% needs, 25% wants, 30% savings. Save first.
Pay yourself first — save 30% before spending →