计算器
50/30/20 Calculator
Take-home pay split into needs, wants, and savings lanes.
The 50/30/20 split was popularised by Elizabeth Warren and Amelia Warren Tyagi in All Your Worth: half of take-home pay to needs, thirty percent to wants, twenty percent to saving and debt beyond the minimums. It works on take-home pay, not gross.
It is a starting frame, not a rule. In an expensive rental market the needs half is often impossible, and that result is information rather than failure: it says the housing line is the thing to work on, not the coffee.
结果
你的结果将显示在这里。
在左侧输入你的数字，然后点击"计算"。你填写的内容不会被保存。
看一个实例演示
示例数据
- Monthly take-home income$3,200
示例结果
Needs (about 50%)$1,600
Wants (about 30%)$960
Savings & extra debt (about 20%)$640
Needs: housing, utilities, basic groceries, transport to work, insurance, minimum debt payments. Wants: dining, streaming, upgrades, hobbies. Savings lane: emergency fund, retirement, extra debt payments.
High-cost cities push needs past 50%: keep the lanes, change the numbers, and protect the savings lane hardest (shrink it last, restore it first).
你的结果将显示在这里。
在左侧输入你的数字，然后点击"计算"。你填写的内容不会被保存。
请填入以下信息以进行计算：
如某项不适用，请填 0。