Kalkulator anggaran
Tulis penghasilan lan pengeluaran saben sasi supaya ngerti sisane lan kepiye dibandhingake karo aturan 50/30/20.
Babagan Kalkulator anggaran
Tulis penghasilan lan pengeluaran saben sasi supaya ngerti sisane lan kepiye dibandhingake karo aturan 50/30/20.
Bagean saka seksi “Keuangan” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator anggaran
Apa sing dietung lan kapan nganggo
Daftar pangasilan lan pengeluaran saben sasi, nuduhake sisane lan mbandhingake kabutuhan, kekarepan lan tabungan karo aturan 50/30/20.
Carane nganggo, langkah demi langkah
- Tambahna sumber pangasilan saben sasi sawise pajak.
- Daftar pengeluaran lan tandhani saben item minangka kabutuhan, kekarepan, utawa tabungan utawa cicilan utang.
- Waca jumlah sisa lan bandhingane.
Tegese saben input
- Jinis – Butuh: essentials. Want: choices. Irit-iritan utawa debt: savings lan extra debt payments.
Carane maca asile
- Turah utawa overspent – Income minus spending.
- 50/30/20 Tabel – Your shares of income against the 50, 30 and 20 targets.
Rumus
Left = total income − total spending. Share = group total ÷ total income. The 50/30/20 rule suggests 50% needs, 30% wants and 20% saving.
Conto petungan
Income of 2,800 against needs of 1,700, wants of 350 and saving of 300 leaves 450 a month, 5,400 a year. Needs are 61% of income, above the 50% guide.
Asumsi lan watesan
- Saben sasi amounts. Konversi irregular bills nganti a Saben sasi Rata-rata.
- The 50/30/20 pecah yaiku a guide, not a rule.
Kesalahan umum
- Leaving out irregular costs such as car repairs and gifts.
Pitakonan sing kerep ditakokake
Kepriye yen kabutuhanku luwih saka 50%?
Ing dhaerah sing larang iku lumrah. Fokus supaya tabungan tetep ajeg lan nyuda kekarepan.
Piranti sing gegandhengan
Rincian
- Saben taun
- £5,400if ora ana changes
- Savings tarif
- 27%Diirit plus unspent
Against the 50/30/20 rule
| Group | Jumlah | Bagekake | Target |
|---|---|---|---|
| Needs | £1,700 | 61% | 50% |
| Wants | £350 | 13% | 30% |
| Irit-iritan lan debt | £300 | 11% | 20% |