What is the 50/30/20 rule?

A budgeting framework by Senator Elizabeth Warren: 50% on needs (housing, food, transport), 30% on wants (dining, entertainment, hobbies), and 20% on savings and debt repayment.

What if my rent is more than 50% of my income?

High housing costs are common in expensive cities. If needs exceed 50%, try to reduce wants below 30% to still hit 20% savings. The key is total savings rate, not strict category percentages.

How do I categorize expenses that feel like both needs and wants?

Basic groceries are a need; premium organic brands or frequent takeout are wants. A basic phone plan is a need; the latest flagship phone is a want. A reliable car is a need; a luxury car payment is a want. When in doubt, ask: "Could I survive with a cheaper version?" If yes, the upgrade portion is a want.

Planejador de Orçamento

Planeje seu orçamento mensal com a regra 50/30/20.

Renda Mensal Líquida

Moradia (aluguel/financiamento)

Alimentação

Transporte

Lazer

Disponível para Poupança

$1,700.00

Necessidades$2,500.00

Desejos$800.00

Poupança$1,700.00

Necessidades50%

Desejos16%

Poupança34%

You have $1,700.00 (34%) available for savings and debt payoff. The 50/30/20 rule targets 20% savings.

The 50/30/20 rule is a starting point — not a law. High-cost-of-living cities may need 60% on needs alone.

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Find out how much of your savings budget should go toward emergency reserves

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Sobre esta Calculadora

A regra 50/30/20 é um framework simples e eficaz: 50% da renda líquida para necessidades, 30% para desejos e 20% para poupança e quitação de dívidas.

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Perguntas Frequentes

O que é a regra 50/30/20?

Um framework orçamentário: 50% para necessidades (moradia, alimentação, transporte), 30% para desejos (lazer, restaurantes) e 20% para poupança e quitação de dívidas.

E se meu aluguel superar 50% da renda?

Custos de moradia altos são comuns nas grandes cidades. Se as necessidades superarem 50%, reduza os desejos abaixo de 30% para manter os 20% de poupança.

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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.