Budget Calculator — 公式
## 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.
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.
计算示例
Monthly take-home income of $4,500 using the 50/30/20 rule.
- Needs = $4,500 x 50% = $2,250
- Wants = $4,500 x 30% = $1,350
- Savings = $4,500 x 20% = $900
- Total = $2,250 + $1,350 + $900 = $4,500