Budget calculator
List your 每月 income 和 spending 至 see what’s left 和 how it compares with the 50/30/20 rule.
每月 income (after 税款)
£
每月 spending
£
£
£
£
£
关于Budget calculator
List your 每月 income 和 spending 至 see what’s left 和 how it compares with the 50/30/20 rule.
属于 SmartCalcy“财务”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Budget calculator
它计算什么，何时使用
Lists your monthly income 和 spending、shows what 是 left、compares your needs、wants、saving with the 50/30/20 rule.
使用步骤
- Add your sources 每月 income after 税款.
- List your spending 和 mark each item as a need, a want 或 saving 或 debt repayment.
- Read the 数量 left 和 the comparison.
各输入项的含义
- Type – Need: essentials. Want: choices. Saving 或 debt: savings 和 extra debt payments.
如何阅读结果
- Left over 或 overspent – Income minus spending.
- 50/30/20 table – Your shares income against the 50、30、20 targets.
公式
Left = 总计 income − 总计 spending. 占比 = group 总计 ÷ 总计 income. The 50/30/20 rule suggests 50% needs、30% wants、20% 节省.
计算示例
Income 2,800 against needs 1,700、wants 350、income, above the 50% guide. 的 saving 300 leaves 450 a month, 5,400 a year. Needs are 61%
假设与局限
- 每月 amounts. 转换 irregular bills 至 a 每月 平均.
- The 50/30/20 分摊方式 是 a guide, not a rule.
常见错误
- Leaving out irregular costs such as car repairs 和 gifts.
常见问题
What if my needs exceed 50%?
In high-cost areas that 是 common. Focus on keeping saving steady 和 reducing wants.
相关工具
第 Left over 每件 周一 次
£450.00
· £2,350.00 out 的 £2,800.00
Needs £1,700Wants £350节省 和 debt £300Unspent £450
详情
- 每 年份
- £5,400if 无 changes
- Savings 利率
- 27%saved plus unspent
Against the 50/30/20 rule
| Group | 数量 | 占比 | 目标 |
|---|---|---|---|
| Needs | £1,700 | 61% | 50% |
| Wants | £350 | 13% | 30% |
| 节省 和 debt | £300 | 11% | 20% |
The 50/30/20 rule 是 a starting point. Adjust it件your housing costs 和 goals.