Phần hướng dẫn bên dưới chưa có bằng tiếng Việt nên được hiển thị bằng tiếng Anh. Bản thân máy tính đã được dịch đầy đủ.
Cách sử dụng máy tính này
- Enter your monthly take-home pay, after taxes and payroll deductions.
- Keep the default 50/30/20 split or adjust the percentages so they total 100%.
- Optionally enter what you currently spend on essentials to see whether it fits the needs budget.
Công thức
Each category is a percentage of take-home income. Needs are essentials such as housing, utilities, groceries, insurance and minimum debt payments. Wants are discretionary spending. Savings include emergency funds, retirement contributions and extra debt payments.
Needs = income × 50%
Wants = income × 30%
Savings & debt = income × 20%
Example
- Take-home pay $4,500/month.
- Needs $2,250; wants $1,350; savings and extra debt payments $900.
- That's $10,800 saved per year.
Câu hỏi thường gặp
Where does the 50/30/20 rule come from?
It was popularized by Senator Elizabeth Warren and Amelia Warren Tyagi in the book All Your Worth as a simple framework for balanced spending.
What if my needs are more than 50%?
In high-cost areas that is common. Reduce wants first, or set a split such as 60/20/20 while working towards lower fixed costs.
Are debt payments needs or savings?
Minimum payments are needs. Any extra amount you pay to clear debt faster counts towards the savings category.