I-Calculator yeNkqubo yeNkqubo (50/30/20)
Yahlula iindleko zakho zenyanga zibe ziimfuneko, izicelo kunye neendleko eziphantsi ngomthetho we-50/30/20.
Iinketho ze projekti
Malunga nale Calculator
The 50/30/20 rule is a simple budgeting framework: put 50% of your after-tax income toward needs, 30% toward wants and 20% toward savings and debt repayment. This budget calculator splits your monthly income into those three buckets — and lets you adjust the percentages — so every dollar has a clear monthly and yearly target.
The maths is just three shares of your take-home pay. On 4,000 a month, the default split is 2,000 for needs, 1,200 for wants and 800 for savings; the tool also shows each bucket as a yearly figure (24,000, 14,400 and 9,600). Change the percentages and the amounts update instantly, so you can model a tighter savings target or a higher needs share.
Use it to build a starter budget, to check how your current spending compares with the 50/30/20 guideline, or to set a savings goal you can actually fund. Needs are essentials you cannot skip, wants are lifestyle extras, and the savings bucket covers both building wealth and paying down debt beyond the minimums.
Imibuzo ebuza rhoqo
Yintoni ebalaseleyo njengemfuneko xa kuthelekiswa nemfuneko?
Iimfuno zizinto ezibalulekileyo ongazange uzishiye—irenti okanye ityala, iinkonzo, iimveliso zendalo, iinshurensi, iindleko ezincinci zetyala kunye nokuhamba ukuya emsebenzini. Iimfuno zizinto ezifunekayo kwindlela yokuphila ezinjengokutya ngaphandle, ukubukela i-TV, iimfuno zezokhenketho kunye neentsuku zokuphumla.
Yintoni ukuba iimfuno zam zingaphezulu kwe-50%?
Kwiindawo ezinomthwalo omkhulu, iimfuno zihlala zingaphezulu kwe-50%. Yiba ne-50/30/20 njengenjongo, hayi njengomthetho: lungisa ibhotile yeemfuno kuqala, kwaye ujonge ukugcina into naphi na, nokuba inxalenye yokonga kufuneka ihla ngaphantsi kwe-20% ngoku.
Ingaba imithetho ye-50/30/20 kufuneka isebenzise iindleko ezipheleleyo okanye iindleko ezipheleleyo?
Imali epheleleyo (egqityiweyo) — imali ekhoyo kwi-akhawunti yakho. Kuba i-tax kunye ne-payroll zisele zithathelwe ngaphandle, ukudibanisa i-50/30/20 ukuhlawula imali ethethwayo kunika i-realistic bucket amounts onokuthi uyisebenzise uze uyigcine.
Ingaba ukubuyiselwa kwemali yetyala kuxhomekeke kwimfuneko okanye kulondolozo?
Iindleko ezincinci ezifunekayo ziquka iimfuno, kuba kufuneka uzihlawule, ngelixa nayiphi na iindleko ezongezelelweyo ozibeka ukuhlawula ityala ngokukhawuleza zivela kwi-20% yokonga kunye netyala. Le nto ibangela ukuba inxalenye yokonga iphindwe kabini njengemali yokufumana ityala.
Yintoni ukuba ndifuna ukulondoloza ngaphezulu kwe-20%?
Raise the savings percentage and lower wants (or needs) to match — the shares just have to add to 100%. Many people chasing early retirement or a big goal push savings to 30% or more by trimming the wants bucket.
Ingaba i-50/30/20 isebenza kakuhle kumzi ophezulu wexabiso?
Iimfuno kuphela zihlala zingaphezulu kwe-50% apho irenti iphezulu, ngoko ke sebenzisa uhlukaniso njengenjongo. Khubaza unikezelo lweemfuno kuqala, ugcine into nakuba ingaphantsi kwe-20%, kwaye usebenzise iipesenti ezilungelelanisiweyo apha ukwakha uhlukaniso oluhambelana neendleko zakho ezinyanzelekileyo.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
GET https://calculator.free/api/v1/budget/curl
curl "https://calculator.free/api/v1/budget/?income=4000"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/budget/?" + new URLSearchParams({
"income": "4000"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.