Calculadora de Orçamento
Organize suas receitas e despesas para criar um orçamento pessoal equilibrado e eficiente.
Needs (Housing, Food, Bills)
$2,250
Needs (Housing, Food, Bills) vs Monthly Take-Home Income
Formula
The 50/30/20 Budget Rule
This popular budgeting guideline splits your after-tax income into three categories: needs, wants, and savings.
Default Allocation
Adjust the percentages to fit your financial situation.
Exemplo Resolvido
Monthly take-home income of $4,500 using the 50/30/20 rule.
- 01Needs = $4,500 x 50% = $2,250
- 02Wants = $4,500 x 30% = $1,350
- 03Savings = $4,500 x 20% = $900
- 04Total = $2,250 + $1,350 + $900 = $4,500
Perguntas Frequentes
What if my needs exceed 50%?
In high cost-of-living areas, needs often exceed 50%. Reduce the wants percentage first, and try to keep savings at 10-20% minimum.
Should I budget gross or net income?
Budget based on net (take-home) income. Taxes and mandatory deductions are already removed, so you are working with spendable money.
How do I track my spending against the budget?
Use a spreadsheet, budgeting app, or even envelopes with cash. Review weekly to stay on track and adjust categories as needed.
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