Budget calculator
List your Bulanan income dan spending sampai see what’s left dan how it compares with the 50/30/20 rule.
Tentang Budget calculator
List your Bulanan income dan spending sampai see what’s left dan how it compares with the 50/30/20 rule.
Bagian dari bagian “Keuangan” SmartCalcy. Berjalan di peramban Anda tanpa akun, memakai mata uang dan satuan Anda sendiri (ubah di bagian atas halaman), dan memberi perkiraan hanya untuk informasi, jadi periksa panduan resmi sebelum mengandalkan hasilnya.
Cara menggunakan Budget calculator
Apa yang dihitung dan kapan digunakan
Lists your monthly income dan spending, shows what adalah left, dan compares your needs, wants, dan saving with the 50/30/20 rule.
Cara menggunakan, langkah demi langkah
- Add your sources Bulanan income after Pajak.
- List your spending dan mark each item as a need, a want atau saving atau debt repayment.
- Read the Jumlah left dan the comparison.
Arti setiap input
- Type – Need: essentials. Want: choices. Saving atau debt: savings dan extra debt payments.
Cara membaca hasil
- Left over atau overspent – Income minus spending.
- 50/30/20 table – Your shares income against the 50, 30, dan 20 targets.
Rumus
Left = total income − total spending. Porsi = group total ÷ total income. The 50/30/20 rule suggests 50% needs, 30% wants, dan 20% Penghematan.
Contoh perhitungan
Income 2,800 against needs 1,700, wants 350, dan saving 300 leaves 450 a month, 5,400 a year. Needs are 61% dari income, above the 50% guide.
Asumsi dan batasan
- Bulanan amounts. Konversi irregular bills sampai a Bulanan Rata-rata.
- The 50/30/20 Pembagian adalah a guide, not a rule.
Kesalahan umum
- Leaving out irregular costs such as car repairs dan gifts.
Pertanyaan yang sering diajukan
What if my needs exceed 50%?
In high-cost areas that adalah common. Focus on keeping saving steady dan reducing wants.
Alat terkait
Detail
- Per Tahun
- £5,400if tidak ada changes
- Savings Suku bunga
- 27%saved plus unspent
Against the 50/30/20 rule
| Group | Jumlah | Porsi | Target |
|---|---|---|---|
| Needs | £1,700 | 61% | 50% |
| Wants | £350 | 13% | 30% |
| Penghematan dan debt | £300 | 11% | 20% |