Personal Finance4 мин чтения
The 50/30/20 Rule: Budgeting Made Simple
How the 50/30/20 rule splits your take-home pay into needs, wants, and savings — with worked examples and when it is okay to bend the rule.
Читать руководствоМы используем бережную к приватности аналитику, чтобы понимать, какие калькуляторы полезны; ничего не загружается без вашего согласия. Прочитайте нашу политику конфиденциальности.
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Более 930 бесплатных калькуляторов без регистрации для ипотеки, кредитов, страховки, инвестиций, налогов и бизнеса. Мгновенные результаты и понятные объяснения.
Правило 50/30/20
50/30/20
Ежемесячный доход
$4,200
Необходимое · 50%
$2,100
Желания · 30%
$1,260
Накопления · 20%
$840
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Те, которые открывают чаще всего.
Split your monthly take-home pay into needs, wants and savings with the 50/30/20 rule, and see exactly where every dollar should go.
Personal FinanceSee how much a larger monthly payment or extra lump sum shortens your debt payoff timeline and cuts total interest.
Personal FinanceProject the size of your retirement corpus from today's savings plus monthly contributions, with an annual step-up option.
Personal FinanceSee how regular contributions and reinvested returns grow into a future value — with an inflation-adjusted view of what it is really worth.
Personal FinanceConvert money across time: what $X today will cost in the future, or what it was worth in the past, under your chosen inflation rate.
Personal FinanceEstimate your federal income tax with progressive brackets, the standard deduction, and your marginal and effective rates.
Personal FinanceSee what your salary actually pays: federal income tax, state tax and FICA come out, and monthly take-home is what goes in your pocket.
Personal FinanceWork out how much term life cover your family actually needs — income replacement plus debts and final costs, minus existing assets.
InsuranceEstimate how much dwelling coverage your home needs by rebuilding cost per square foot, and see the protection buckets that go with it.
InsuranceEstimate your annual car insurance premium from age, experience, vehicle value, mileage, accidents and state cost level.
InsuranceEstimate your renters insurance premium from the value of your belongings, your liability limit and your deductible — and see what each piece actually costs.
InsuranceWork out whether a higher deductible is worth the premium saving: break-even years, the extra cash you must keep on hand, and the expected cost of each option.
Insurance7 тем, каждая со своими калькуляторами и руководствами.
Глубокие руководства по каждому финансовому вопросу.
personal finance
A comprehensive guide to managing your money, from your first paycheck to financial independence. Includes free calculators for every step.
insurance
A complete guide to insurance: what you need, how much to buy, and how to avoid overpaying for coverage you do not need.
loans mortgage
Everything you need to know about mortgages, auto loans, student loans, and personal borrowing — from comparing rates to paying off early.
investment
From your first index fund to advanced portfolio strategy — everything you need to invest with confidence.
business tax
From profit margins to payroll taxes — practical financial guidance for small business owners, freelancers, and entrepreneurs.
comparison
Stop guessing — learn how to compare financial products head-to-head so you always pick the cheapest, best option.
educational
Financial planning for every major life event — from your first job to retirement, with calculators for each milestone.
How the 50/30/20 rule splits your take-home pay into needs, wants, and savings — with worked examples and when it is okay to bend the rule.
Читать руководствоHow big your emergency fund should be, how to build it in the right order, and where to keep it so it earns interest and stays liquid.
Читать руководствоWhat CPI inflation does to your purchasing power — at 3%, $100 becomes $74 in 10 years and $41 in 30. Real vs nominal returns included.
Читать руководствоНастоящие формулы, не догадки
Каждый инструмент использует опубликованную математику — амортизацию, IRR, NPV, прогрессивные налоговые ставки — чтобы вы могли проверить цифры.
Открытый и бесплатный
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Понятные объяснения
Каждый инструмент поставляется с формулой, примером расчёта и оговорками, которые банки и страховщики умалчивают.