Planilha 50 30 20 excel: a ferramenta que vai mudar sua vida financeira
How to Create a Budget Spreadsheet in Excel Using the 50/30/20 Rule
Do you want to take control of your finances and achieve your financial goals? If so, you need a budget. A budget is a plan that helps you manage your money by tracking your income and expenses. It can help you save more, spend less, pay off debt, and plan for the future.
But how do you create a budget that works for you? One simple and effective method is the 50/30/20 rule. This rule was popularized by Senator Elizabeth Warren in her book All Your Worth: The Ultimate Lifetime Money Plan. It suggests that you divide your after-tax income into three categories: 50% for needs, 30% for wants, and 20% for savings and debt payments.
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In this article, we will show you how to create a budget spreadsheet in Excel using the 50/30/20 rule. You will learn how to:
Determine your after-tax income
List your needs, wants, and savings goals
Calculate your budget percentages and amounts
Track and adjust your budget as needed
By following these steps, you will be able to create a realistic and flexible budget that suits your lifestyle and needs. Let's get started!
Step 1: Determine Your After-Tax Income
The first step to create a budget spreadsheet in Excel using the 50/30/20 rule is to determine your after-tax income. This is the amount of money you have left after paying taxes, such as federal, state, local, and payroll taxes. Your after-tax income is also known as your net income or take-home pay.
Your after-tax income is important because it is the basis for allocating your money to each category of the 50/30/20 rule. To calculate your after-tax income, you need to know your gross income (the total amount of money you earn before taxes) and your tax deductions (the amount of money that is subtracted from your gross income for tax purposes).
Your gross income may include sources such as:
Salary or wages
Bonuses or commissions
Interest or dividends
Rental or business income
Alimony or child support
Pensions or social security
Your tax deductions may include items such as:
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Federal income tax
State income tax
Local income tax
S Social security tax
Medicare tax
Health insurance premiums
Retirement contributions
Child care expenses
Student loan interest
To calculate your after-tax income, you can use the following formula in Excel:
=Gross income - Tax deductions
For example, if your gross income is $5,000 per month and your tax deductions are $1,500 per month, your after-tax income is $3,500 per month. You can enter this formula in a cell in Excel and adjust the cell references accordingly.
Step 2: List Your Needs, Wants, and Savings Goals
The next step to create a budget spreadsheet in Excel using the 50/30/20 rule is to list your needs, wants, and savings goals. These are the three categories that you will use to allocate your after-tax income according to the 50/30/20 rule.
Your needs are the essential expenses that you must pay to survive and maintain a basic standard of living. They include items such as:
Rent or mortgage
Utilities (water, gas, electricity, etc.)
Groceries and household supplies
Transportation (car payment, gas, public transit, etc.)
Insurance (health, car, home, etc.)
Minimum debt payments (credit cards, loans, etc.)
Your wants are the discretionary expenses that you spend on things that make you happy and comfortable. They include items such as:
Dining out and takeout
Clothing and accessories
Entertainment and hobbies
Travel and vacations
Gym memberships and subscriptions
Coffee and snacks
Your savings goals are the amount of money that you set aside for your future financial needs and aspirations. They include items such as:
Emergency fund (3-6 months of living expenses)
Retirement savings (401k, IRA, etc.)
Education savings (529 plan, etc.)
Debt repayment (above the minimum payments)
Home down payment or renovation
Car replacement or repair
To list your needs, wants, and savings goals, you can use a table in Excel to organize your data. You can create a table by selecting a range of cells and clicking on the Insert tab > Table. You can name your table and add headers for each column. For example, you can use the following headers:
Category Expense Amount --- --- --- Needs Rent $1,200 Needs Utilities $200 Needs Groceries $400 ... ... ... Wants Dining out $100 Wants Clothing $50 Wants Entertainment $80 ... ... ... Savings Emergency fund $200 Savings Retirement savings $300 Savings Debt repayment $300 ... ... ... You can enter your data in the table and adjust the amounts according to your situation. You can also use Excel formulas to calculate the total amount for each category by using the SUMIF function. For example, you can use the following formula to calculate the total amount for needs:
=SUMIF(Category,"Needs",Amount) You can copy and paste this formula for the other categories by changing the criteria argument ("Needs") to "Wants" or "Savings". You can also use Excel formatting tools to make your table more readable and attractive.
Step 3: Calculate Your Budget Percentages and Amounts
The third step to create a budget spreadsheet in Excel using the 50/30/20 rule is to calculate your budget percentages and amounts. This is where you apply the 50/30/20 rule to allocate your after-tax income to each category of needs, wants, and savings.
The 50/30/20 rule suggests that you spend 50% of your after-tax income on needs, 30% on wants, and 20% on savings and debt payments. However, these percentages are not fixed and can be adjusted based on your personal preferences and circumstances. For example, you may want to spend more on savings if you have a high debt load or a low emergency fund. Or you may want to spend more on wants if you have a low cost of living or a high disposable income.
To calculate your budge