Calculadora de Orçamento — 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

  • 50% Needs: Housing, groceries, utilities, insurance, minimum debt payments
  • 30% Wants: Dining out, entertainment, subscriptions, shopping
  • 20% Savings: Emergency fund, retirement, extra debt payments

    • Adjust the percentages to fit your financial situation.

    Exemplo Resolvido

    Monthly take-home income of $4,500 using the 50/30/20 rule.

    1. Needs = $4,500 x 50% = $2,250
    2. Wants = $4,500 x 30% = $1,350
    3. Savings = $4,500 x 20% = $900
    4. Total = $2,250 + $1,350 + $900 = $4,500