{"id":2953,"date":"2026-10-21T10:23:58","date_gmt":"2026-10-21T09:23:58","guid":{"rendered":"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-budzetu-50-30-20\/"},"modified":"2026-10-21T10:23:58","modified_gmt":"2026-10-21T09:23:58","slug":"kalkulator-budzetu-50-30-20","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-budzetu-50-30-20\/","title":{"rendered":"Kalkulator bud\u017cetu \u2013 zasada 50\/30\/20"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Zbuduj sw\u00f3j miesi\u0119czny bud\u017cet<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"2953\" data-favorite-title=\"Bud\u017cet\" data-favorite-url=\"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-budzetu-50-30-20\/\" data-favorite-excerpt=\"Zaplanuj miesi\u0119czny bud\u017cet wed\u0142ug zasady 50\/30\/20: wpisz wynagrodzenie netto i swoje rzeczywiste wydatki, a zobaczysz, jak Twoje potrzeby, zachcianki i oszcz\u0119dno\u015bci wypadaj\u0105 na tle za\u0142o\u017conych cel\u00f3w. Do wyboru s\u0105 te\u017c podzia\u0142y 70\/20\/10 i 60\/20\/20.\" aria-label=\"Dodaj do ulubionych\" data-favorite-icon=\"icon icon-budget\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/pl\/finanse\/kalkulator-budzetu-50-30-20\/\" method=\"POST\" class=\"calculator\" id=\"calculator-2953\" data-post=\"2953\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Pola danych<\/legend><div class=\"field is-single\" id=\"input-1\"><label for=\"field-1\">Spos\u00f3b podania dochodu<\/label><div class=\"grid grid-cols-1\"><select id=\"field-1\" name=\"sposb_podania_dochodu\"><option value=\"net\" selected>Miesi\u0119czna pensja na r\u0119k\u0119<\/option><option value=\"gross\">Roczna pensja brutto + stawka podatkowa<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Miesi\u0119czny doch\u00f3d netto (\u201ena r\u0119k\u0119\u201d)<\/label><input type=\"text\" name=\"miesiczny_dochd_netto_na_rk\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4500\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Wynagrodzenie po podatkach i potr\u0105ceniach \u2014 standardowa podstawa zasady 50\/30\/20.<\/small><\/div><div class=\"field\" id=\"input-3\" hidden><label for=\"field-3\">Roczny doch\u00f3d brutto<\/label><input type=\"text\" name=\"roczny_dochd_brutto\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"60000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field is-single\" id=\"input-4\" hidden><label for=\"field-4\">\u0141\u0105czna stawka podatku i sk\u0142adek<\/label><input type=\"text\" name=\"czna_stawka_podatku_i_skadek\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"99\" value=\"22\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><small id=\"calc-info-4\">Podatek dochodowy plus potr\u0105cenia sk\u0142adkowe (np. FICA) jako udzia\u0142 wynagrodzenia brutto. Netto miesi\u0119cznie = brutto \u00d7 (1 \u2212 stawka) \u00f7 12.<\/small><\/div><div class=\"field is-single\" id=\"input-5\"><label for=\"field-5\">Zasada bud\u017cetowania<\/label><div class=\"grid grid-cols-1\"><select id=\"field-5\" name=\"zasada_budetowania\"><option value=\"r503020\" selected>50\/30\/20 (klasyczna)<\/option><option value=\"r702010\">70\/20\/10 (wysokie koszty \u017cycia)<\/option><option value=\"r602020\">60\/20\/20 (zr\u00f3wnowa\u017cona)<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"is-single field\" id=\"input-6\"><span class=\"font-semibold\">Potrzeby \u2014 niezb\u0119dne wydatki<\/span><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Mieszkanie (czynsz \/ kredyt hipoteczny)<\/label><input type=\"text\" name=\"mieszkanie_czynsz_kredyt_hipoteczny\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1150\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Media<\/label><input type=\"text\" name=\"media\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">Pr\u0105d, woda, internet, telefon.<\/small><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Zakupy spo\u017cywcze<\/label><input type=\"text\" name=\"zakupy_spoywcze\" id=\"field-9\" aria-describedby=\"calc-unit-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"480\"\/><div class=\"unit\" id=\"calc-unit-9\">$<\/div><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Transport<\/label><input type=\"text\" name=\"transport\" id=\"field-10\" aria-describedby=\"calc-unit-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"280\"\/><div class=\"unit\" id=\"calc-unit-10\">$<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Ubezpieczenia<\/label><input type=\"text\" name=\"ubezpieczenia\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"140\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-12\">Minimalne sp\u0142aty d\u0142ug\u00f3w<\/label><input type=\"text\" name=\"minimalne_spaty_dugw\" id=\"field-12\" aria-describedby=\"calc-unit-12 calc-info-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"150\"\/><div class=\"unit\" id=\"calc-unit-12\">$<\/div><small id=\"calc-info-12\">Minimalne raty kredyt\u00f3w i kart; dodatkowe sp\u0142aty wpisuj w Oszcz\u0119dno\u015bci.<\/small><\/div><div class=\"is-single field\" id=\"input-13\"><span class=\"font-semibold\">Zachcianki \u2014 styl \u017cycia<\/span><\/div><div class=\"field\" id=\"input-14\"><label for=\"field-14\">Jedzenie na mie\u015bcie<\/label><input type=\"text\" name=\"jedzenie_na_miecie\" id=\"field-14\" aria-describedby=\"calc-unit-14\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"220\"\/><div class=\"unit\" id=\"calc-unit-14\">$<\/div><\/div><div class=\"field\" id=\"input-15\"><label for=\"field-15\">Rozrywka<\/label><input type=\"text\" name=\"rozrywka\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"130\"\/><div class=\"unit\" id=\"calc-unit-15\">$<\/div><\/div><div class=\"field\" id=\"input-16\"><label for=\"field-16\">Subskrypcje<\/label><input type=\"text\" name=\"subskrypcje\" id=\"field-16\" aria-describedby=\"calc-unit-16\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"60\"\/><div class=\"unit\" id=\"calc-unit-16\">$<\/div><\/div><div class=\"field\" id=\"input-17\"><label for=\"field-17\">Fundusz podr\u00f3\u017cy<\/label><input type=\"text\" name=\"fundusz_podry\" id=\"field-17\" aria-describedby=\"calc-unit-17 calc-info-17\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"unit\" id=\"calc-unit-17\">$<\/div><small id=\"calc-info-17\">Miesi\u0119czna kwota odk\u0142adana na podr\u00f3\u017ce.<\/small><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-18\">Zakupy<\/label><input type=\"text\" name=\"zakupy\" id=\"field-18\" aria-describedby=\"calc-unit-18\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"160\"\/><div class=\"unit\" id=\"calc-unit-18\">$<\/div><\/div><div class=\"is-single field\" id=\"input-19\"><span class=\"font-semibold\">Oszcz\u0119dno\u015bci i dodatkowe sp\u0142aty d\u0142ug\u00f3w<\/span><\/div><div class=\"field\" id=\"input-20\"><label for=\"field-20\">Fundusz awaryjny<\/label><input type=\"text\" name=\"fundusz_awaryjny\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"250\"\/><div class=\"unit\" id=\"calc-unit-20\">$<\/div><\/div><div class=\"field\" id=\"input-21\"><label for=\"field-21\">Sk\u0142adki emerytalne<\/label><input type=\"text\" name=\"skadki_emerytalne\" id=\"field-21\" aria-describedby=\"calc-unit-21\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"300\"\/><div class=\"unit\" id=\"calc-unit-21\">$<\/div><\/div><div class=\"field\" id=\"input-22\"><label for=\"field-22\">Dodatkowe sp\u0142aty d\u0142ug\u00f3w<\/label><input type=\"text\" name=\"dodatkowe_spaty_dugw\" id=\"field-22\" aria-describedby=\"calc-unit-22\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"unit\" id=\"calc-unit-22\">$<\/div><\/div><div class=\"is-single field\" id=\"input-23\" hidden><span class=\"font-semibold\">Dodatkowe wiersze (opcjonalnie)<\/span><\/div><div class=\"field is-single\" id=\"input-24\"><label for=\"field-24\">Liczba dodatkowych wierszy<\/label><div class=\"grid grid-cols-1\"><select id=\"field-24\" name=\"liczba_dodatkowych_wierszy\"><option value=\"None\">Brak<\/option><option value=\"1 row\">1 wiersz<\/option><option value=\"2 rows\">2 wiersze<\/option><option value=\"3 rows\">3 wiersze<\/option><option value=\"4 rows\">4 wiersze<\/option><option value=\"5 rows\">5 wierszy<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-25\" hidden><label for=\"field-25\">Nazwa wiersza 1<\/label><input type=\"text\" name=\"nazwa_wiersza_1\" id=\"field-25\" placeholder=\"np. karnet na si\u0142owni\u0119\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">Kwota wiersza 1<\/label><input type=\"text\" name=\"kwota_wiersza_1\" id=\"field-26\" aria-describedby=\"calc-unit-26\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-26\">$<\/div><\/div><div class=\"field\" id=\"input-27\" hidden><label for=\"field-27\">Grupa wiersza 1<\/label><div class=\"grid grid-cols-1\"><select id=\"field-27\" name=\"grupa_wiersza_1\"><option value=\"needs\" selected>Potrzeby<\/option><option value=\"wants\">Zachcianki<\/option><option value=\"savings\">Oszcz\u0119dno\u015bci<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">Nazwa wiersza 2<\/label><input type=\"text\" name=\"nazwa_wiersza_2\" id=\"field-28\" placeholder=\"np. opieka nad zwierz\u0119tami\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">Kwota wiersza 2<\/label><input type=\"text\" name=\"kwota_wiersza_2\" id=\"field-29\" aria-describedby=\"calc-unit-29\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-29\">$<\/div><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">Grupa wiersza 2<\/label><div class=\"grid grid-cols-1\"><select id=\"field-30\" name=\"grupa_wiersza_2\"><option value=\"needs\" selected>Potrzeby<\/option><option value=\"wants\">Zachcianki<\/option><option value=\"savings\">Oszcz\u0119dno\u015bci<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-31\" hidden><label for=\"field-31\">Nazwa wiersza 3<\/label><input type=\"text\" name=\"nazwa_wiersza_3\" id=\"field-31\" placeholder=\"np. opieka nad dzie\u0107mi\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-32\" hidden><label for=\"field-32\">Kwota wiersza 3<\/label><input type=\"text\" name=\"kwota_wiersza_3\" id=\"field-32\" aria-describedby=\"calc-unit-32\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-32\">$<\/div><\/div><div class=\"field\" id=\"input-33\" hidden><label for=\"field-33\">Grupa wiersza 3<\/label><div class=\"grid grid-cols-1\"><select id=\"field-33\" name=\"grupa_wiersza_3\"><option value=\"needs\" selected>Potrzeby<\/option><option value=\"wants\">Zachcianki<\/option><option value=\"savings\">Oszcz\u0119dno\u015bci<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-34\" hidden><label for=\"field-34\">Nazwa wiersza 4<\/label><input type=\"text\" name=\"nazwa_wiersza_4\" id=\"field-34\" placeholder=\"np. czesne\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-35\" hidden><label for=\"field-35\">Kwota wiersza 4<\/label><input type=\"text\" name=\"kwota_wiersza_4\" id=\"field-35\" aria-describedby=\"calc-unit-35\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-35\">$<\/div><\/div><div class=\"field\" id=\"input-36\" hidden><label for=\"field-36\">Grupa wiersza 4<\/label><div class=\"grid grid-cols-1\"><select id=\"field-36\" name=\"grupa_wiersza_4\"><option value=\"needs\" selected>Potrzeby<\/option><option value=\"wants\">Zachcianki<\/option><option value=\"savings\">Oszcz\u0119dno\u015bci<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-37\" hidden><label for=\"field-37\">Nazwa wiersza 5<\/label><input type=\"text\" name=\"nazwa_wiersza_5\" id=\"field-37\" placeholder=\"np. prezenty\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-38\" hidden><label for=\"field-38\">Kwota wiersza 5<\/label><input type=\"text\" name=\"kwota_wiersza_5\" id=\"field-38\" aria-describedby=\"calc-unit-38\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-38\">$<\/div><\/div><div class=\"field\" id=\"input-39\" hidden><label for=\"field-39\">Grupa wiersza 5<\/label><div class=\"grid grid-cols-1\"><select id=\"field-39\" name=\"grupa_wiersza_5\"><option value=\"needs\" selected>Potrzeby<\/option><option value=\"wants\">Zachcianki<\/option><option value=\"savings\">Oszcz\u0119dno\u015bci<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Przelicz ponownie\" id=\"calculate-button\" data-post=\"2953\">Oblicz<\/button><button type=\"reset\">Wyczy\u015b\u0107<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Obliczaj automatycznie<\/label><small>Po w\u0142\u0105czeniu wynik aktualizuje si\u0119 automatycznie po zmianie dowolnej warto\u015bci.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Podzia\u0142 bud\u017cetu<\/h3><div class=\"result-box\"><div class=\"field-result is-column\" id=\"output-1\"><span class=\"field-title\"><span>Podsumowanie zasady<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Miesi\u0119czny doch\u00f3d netto<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Potrzeby \u2014 suma<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Potrzeby \u2014 udzia\u0142 w dochodzie<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Potrzeby \u2014 cel<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>Potrzeby \u2014 por\u00f3wnanie z celem<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Zachcianki \u2014 suma<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-8\"><span class=\"field-title\"><span>Zachcianki \u2014 udzia\u0142 w dochodzie<\/span><\/span><span class=\"field-value\" id=\"result-8\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-9\"><span class=\"field-title\"><span>Zachcianki \u2014 cel<\/span><\/span><span class=\"field-value\" id=\"result-9\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-10\"><span class=\"field-title\"><span>Zachcianki \u2014 por\u00f3wnanie z celem<\/span><\/span><span class=\"field-value\" id=\"result-10\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-11\"><span class=\"field-title\"><span>Oszcz\u0119dno\u015bci \u2014 suma<\/span><\/span><span class=\"field-value\" id=\"result-11\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-12\"><span class=\"field-title\"><span>Oszcz\u0119dno\u015bci \u2014 udzia\u0142 w dochodzie<\/span><\/span><span class=\"field-value\" id=\"result-12\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-13\"><span class=\"field-title\"><span>Oszcz\u0119dno\u015bci \u2014 cel<\/span><\/span><span class=\"field-value\" id=\"result-13\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-14\"><span class=\"field-title\"><span>Oszcz\u0119dno\u015bci \u2014 por\u00f3wnanie z celem<\/span><\/span><span class=\"field-value\" id=\"result-14\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-15\"><span class=\"field-title\"><span>Nadwy\u017cka \/ niedob\u00f3r<\/span><\/span><span class=\"field-value\" id=\"result-15\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-16\"><span class=\"field-title\"><span>Na co wydajesz pieni\u0105dze (wykres pier\u015bcieniowy)<\/span><\/span><span class=\"field-value\" id=\"result-16\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Kopiuj wynik\" aria-label=\"Kopiuj wynik\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Kopiuj link do tego obliczenia<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Zostaw komentarz<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"2953\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Jak oceniasz ten wynik?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Lubi\u0119 to <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Pomocne <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Niejasne <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Rozczarowanie <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Niedok\u0142adne <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Wz\u00f3r na bud\u017cet (zasada 50\/30\/20)<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Wz\u00f3r<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ M = \\begin{cases} N &amp; \\text{gdy podano wynagrodzenie netto} \\\\ \\dfrac{G\\,(1 - t)}{12} &amp; \\text{gdy podano wynagrodzenie brutto i stawk\u0119 podatkow\u0105} \\end{cases} \\]\n\\[ \\text{Cel: potrzeby} = M \\times 0.50, \\qquad \\text{Cel: zachcianki} = M \\times 0.30, \\qquad \\text{Cel: oszcz\u0119dno\u015bci} = M \\times 0.20 \\\\ \\text{Udzia\u0142y} = \\frac{\\text{suma grupy}}{M} \\times 100\\% \\\\\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Gdzie:<\/strong><\/p>\n<ul>\n<li>\\(M\\) \u2014 miesi\u0119czny doch\u00f3d netto, czyli kwota \u201ena r\u0119k\u0119\u201d, kt\u00f3r\u0105 masz do rozdysponowania<\/li>\n<li>\\(N\\) \u2014 miesi\u0119czne wynagrodzenie netto wpisane bezpo\u015brednio<\/li>\n<li>\\(G\\) \u2014 roczne wynagrodzenie brutto<\/li>\n<li>\\(t\\) \u2014 \u0142\u0105czna stawka podatkowa i sk\u0142adkowa zapisana dziesi\u0119tnie (np. 0,22 dla 22%)<\/li>\n<li>Suma grupy \u2014 suma wszystkich kwot przypisanych do potrzeb, zachcianek albo oszcz\u0119dno\u015bci i nadp\u0142at<\/li>\n<\/ul>\n<p>Zasada 50\/30\/20 dzieli miesi\u0119czny doch\u00f3d netto na trzy cz\u0119\u015bci: 50% na potrzeby, 30% na zachcianki i 20% na oszcz\u0119dno\u015bci oraz dodatkowe sp\u0142aty d\u0142ug\u00f3w. Warianty 70\/20\/10 i 60\/20\/20 odpowiednio zmieniaj\u0105 te trzy warto\u015bci procentowe.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Bud\u017cet \u2013 przyk\u0142ad oblicze\u0144<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Przyk\u0142ad:<\/strong> Twoje miesi\u0119czne wynagrodzenie netto wynosi 4500 $, a wydatki: 2400 $ na potrzeby (mieszkanie 1150 $, media 200 $, zakupy spo\u017cywcze 480 $, transport 280 $, ubezpieczenia 140 $, minimalne raty 150 $), 670 $ na zachcianki i 650 $ na oszcz\u0119dno\u015bci oraz dodatkowe sp\u0142aty.<\/p>\n<p>\\[ \\text{Cel: potrzeby} = 4500 \\times 0.50 = 2250, \\quad \\text{Cel: zachcianki} = 4500 \\times 0.30 = 1350, \\quad \\text{Cel: oszcz\u0119dno\u015bci} = 4500 \\times 0.20 = 900 \\\\ \\text{Udzia\u0142 potrzeb} = \\frac{2400}{4500} \\times 100 \\approx 53.3\\%, \\quad \\text{Udzia\u0142 zachcianek} = \\frac{670}{4500} \\times 100 \\approx 14.9\\%, \\quad \\text{Udzia\u0142 oszcz\u0119dno\u015bci} = \\frac{650}{4500} \\times 100 \\approx 14.4\\% \\\\ \\text{Zostaje} = 4500 - (2400 + 670 + 650) = 4500 - 3720 = 780 \\\\ \\text{Oszcz\u0119dno\u015bci z nadwy\u017ck\u0105} = 650 + 780 = 1430 \\; (\\approx 31.8\\% \\text{ dochodu}) \\\\ \\text{Przyk\u0142ad brutto: } G = 60000, \\; t = 0.22 \\Rightarrow M = \\frac{60000 \\times 0.78}{12} = 3900 \\]<\/p>\n<p><strong>Wynik:<\/strong> potrzeby przekraczaj\u0105 cel 2250 $ o 150 $ (6,7%), zachcianki s\u0105 o 680 $ poni\u017cej celu, oszcz\u0119dno\u015bci o 250 $ poni\u017cej celu, a 780 $ dochodu pozostaje nieprzydzielone \u2014 skierowanie tej kwoty do oszcz\u0119dno\u015bci podnios\u0142oby t\u0119 grup\u0119 do 1430 $, czyli oko\u0142o 31,8% dochodu.<\/p>\n<p>\n\r\n<\/section>\n<h2>Jak korzysta\u0107 z kalkulatora<\/h2>\n<ol>\n<li>Wybierz spos\u00f3b podawania dochodu: wpisz <strong>Miesi\u0119czny doch\u00f3d netto (na r\u0119k\u0119)<\/strong> bezpo\u015brednio albo prze\u0142\u0105cz si\u0119 na <strong>Roczne brutto + stawka podatkowa<\/strong> i wype\u0142nij pola <strong>Roczny doch\u00f3d brutto<\/strong> oraz <strong>\u0141\u0105czna stawka podatkowa i sk\u0142adkowa<\/strong>, kt\u00f3re si\u0119 w\u00f3wczas pojawi\u0105.<\/li>\n<li>Wybierz <strong>zasad\u0119 bud\u017cetow\u0105<\/strong>: 50\/30\/20 (klasyczna), 70\/20\/10 (dla wysokich koszt\u00f3w \u017cycia) lub 60\/20\/20 (zr\u00f3wnowa\u017cona).<\/li>\n<li>Wpisz miesi\u0119czne kwoty w sekcji <strong>Potrzeby \u2014 niezb\u0119dne<\/strong>: mieszkanie, media, zakupy spo\u017cywcze, transport, ubezpieczenia i minimalne raty.<\/li>\n<li>Wype\u0142nij pozycje <strong>Zachcianki \u2014 styl \u017cycia<\/strong>: jedzenie na mie\u015bcie, rozrywka, subskrypcje, fundusz podr\u00f3\u017cny i zakupy.<\/li>\n<li>Wpisz <strong>Oszcz\u0119dno\u015bci i dodatkowe sp\u0142aty<\/strong>: fundusz awaryjny, sk\u0142adki emerytalne oraz ewentualne nadp\u0142aty kredyt\u00f3w albo kart ponad minimum.<\/li>\n<li>Je\u015bli masz wydatki, kt\u00f3re nie pasuj\u0105 do gotowych rubryk, wybierz w polu <strong>Dodatkowe wiersze (opcjonalnie)<\/strong> ile rubrik potrzebujesz, a nast\u0119pnie nadaj ka\u017cdej nazw\u0119, kwot\u0119 i grup\u0119 (potrzeby, zachcianki lub oszcz\u0119dno\u015bci).<\/li>\n<li>Odczytaj <strong>Podzia\u0142 bud\u017cetu<\/strong>: przy ka\u017cdej grupie zobaczysz jej sum\u0119, udzia\u0142 w dochodzie, cel dla wybranej zasady oraz o ile jeste\u015b nad nim lub pod nim. Linia <strong>Nadwy\u017cka \/ niedob\u00f3r<\/strong> i wykres pier\u015bcieniowy pokazuj\u0105, czy ka\u017cdy dolar dochodu ma ju\u017c swoje miejsce.<\/li>\n<\/ol>\n<h2>Czym jest zasada 50\/30\/20?<\/h2>\n<p>Zasada 50\/30\/20 to prosty spos\u00f3b planowania bud\u017cetu, kt\u00f3ry spopularyzowa\u0142a senatorka Elizabeth Warren w ksi\u0105\u017cce <em>All Your Worth<\/em>. Dzieli doch\u00f3d po opodatkowaniu na trzy koszyki: 50% na <strong>potrzeby<\/strong> (mieszkanie, media, zakupy spo\u017cywcze, transport, ubezpieczenia, minimalne raty), 30% na <strong>zachcianki<\/strong> (jedzenie na mie\u015bcie, rozrywka, subskrypcje, zakupy, podr\u00f3\u017ce) i 20% na <strong>oszcz\u0119dno\u015bci i dodatkowe sp\u0142aty d\u0142ug\u00f3w<\/strong>. Jej si\u0142a tkwi w prostocie: zamiast \u015bledzi\u0107 dziesi\u0105tki kategorii wydatk\u00f3w, sprawdzasz tylko, czy ka\u017cdy z du\u017cych koszyk\u00f3w mie\u015bci si\u0119 w swoich wide\u0142kach.<\/p>\n<p>Kluczem do sukcesu jest odr\u00f3\u017cnianie potrzeb od zachcianek. Potrzeba to wszystko, co musisz p\u0142aci\u0107, \u017ceby mieszka\u0107 i pracowa\u0107 \u2014 czynsz, podstawowa \u017cywno\u015b\u0107, media, minimalne raty, kt\u00f3re chroni\u0105 Ci\u0119 przed popadni\u0119ciem w zaleg\u0142o\u015bci. Zachcianka to wszystko, co mo\u017cesz wyci\u0105\u0107 bez wi\u0119kszej szkody. Zwr\u00f3\u0107 uwag\u0119, \u017ce minimalne raty licz\u0105 si\u0119 jako potrzeby, a nadp\u0142acanie d\u0142ugu jako oszcz\u0119dno\u015bci \u2014 pomniejszanie kapita\u0142u buduje Tw\u00f3j maj\u0105tek netto tak samo jak odk\u0142adanie pieni\u0119dzy.<\/p>\n<p>Interpretacja wynik\u00f3w jest prosta. Je\u015bli potrzeby przekraczaj\u0105 50% (albo 60%\/70% w wariantach), mieszkanie i niezb\u0119dne wydatki wyzsia... hmm.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zaplanuj miesi\u0119czny bud\u017cet wed\u0142ug zasady 50\/30\/20: wpisz wynagrodzenie netto i swoje rzeczywiste wydatki, a zobaczysz, jak Twoje potrzeby, zachcianki i oszcz\u0119dno\u015bci wypadaj\u0105 na tle za\u0142o\u017conych cel\u00f3w. Do wyboru s\u0105 te\u017c podzia\u0142y 70\/20\/10 i 60\/20\/20.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[25],"class_list":["post-2953","post","type-post","status-publish","format-standard","hentry","category-finanse","tag-budzet"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/posts\/2953","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/comments?post=2953"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/posts\/2953\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/media?parent=2953"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/categories?post=2953"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pl\/wp-json\/wp\/v2\/tags?post=2953"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}