Budget Calculator (50/30/20)
Fi owo ti o gba loju-ọjọ rẹ pamọ sinu awọn iwulo, awọn ifẹ ati awọn ifowopamọ pẹlu ofin 50/30/20.
Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò
Àkóónú ìṣàmúlò-ètò yìí
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.
Àwọn Àtòjọ-ẹ̀yàn
Kini o le jẹ?
Awọn iwulo ni awọn ohun pataki ti o ko le yọ kuro - ifowopamọ tabi ipolongo, awọn iṣẹ-ṣiṣe, awọn ounjẹ, awọn ifowopamọ, awọn sisanwo owo-ori ti o kere ju ati gbigbe si iṣẹ. Awọn iwulo ni awọn ohun ti o ṣe pataki bi igbadun igbesi aye bi iyẹwu, ṣiṣanwọle, awọn ifẹ ati awọn ọjọ isinmi.
Kini tí mò bá fẹ́ jú 50%̀ lọ́wọ́lọ́wọ́?
Ninu àwọn ààyè tí o ga-ìràn, àwọn ìrànwọ́ tí a fẹ̀ nígbà kan tí wọ́n ju 50% lọ. Jẹ́ 50/30/20 bí a tí n gbọ́wọ́, kò ní ofin: fi àwọn
Ńjẹ́ a gbọdọ̀ lo àwọn ìṣẹ̀dá 50/30/20 láti ló owó inú àwọn ẹ̀yàn àti àwọn ẹ̀yàn inú?
Net (àtí-táà) ìrań - owò tí ó tí wa nínú àkọ́kọ́ rẹ̀. Nítorí ìrań àtí ì̀wọ̀ń ì̀wọ̀ń tí a tí yá lọ́wọ́lọ́wọ́, ìṣàfarawé àwọn àwọn ìpàdá 50/30/20 láti gba-ìpàdá ilè rán ọ̀pọ̀lù àwọn ohun-ìtàn tí o lè lò àtí fipamọ́.
Njẹ ipadabọ owo-ori-ifowopamọ jẹ dandan tabi ifowopamọ?
Minimum required payments count as needs, since you must make them, while any extra you put toward paying debt down faster comes from the 20% savings-and-debt bucket. That is why the savings share doubles as a debt-payoff fund.
Kini ti mo ba fẹ́ fipamọ́ jú 20% lọ?
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.
Njẹ 50/30/20 jẹ otitọ ni ilu ti o ni owo-ori giga?
Often needs alone exceed 50% where rent is high, so treat the split as a target. Cut the wants share first, keep saving something even if below 20%, and use the adjustable percentages here to build a split that fits your real costs.
API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò
Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →
Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò
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.