50/30/20 预算计算器
Find out how much of your income goes to essentials, wants and savings. Pick the rule that fits where you are right now.
您的结果将显示在这里
填写字段并点击 分配我的预算.
您的月收入
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必需品住房、水电费、日用品、交通和医疗。
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非必需品娱乐、外出就餐、订阅和购物。
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储蓄和债务应急基金、投资和偿还债务。
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请输入大于零的收入。
How we calculate
The 50/30/20 rule splits your take-home pay into three parts: 50% for needs, 30% for wants and 20% for savings and debt. If your budget is tight, try 70/20/10; if you want to save more, 60/20/20.
It is a starting point, not a fixed rule. If your needs go over the limit, the adjustment usually comes from wants first.
常见问题
What counts as a need?
Expenses you can’t cut in the short term: housing, utilities, groceries, transportation, health and minimum debt payments.
What if I have expensive debt?
Use the savings part to pay off the debts with the highest interest first.
Does it work with irregular income?
Yes. Use the average of the last few months, or your weakest month, to leave some room.