{"id":2988,"date":"2026-10-21T10:22:20","date_gmt":"2026-10-21T09:22:20","guid":{"rendered":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-orcamento-regra-50-30-20\/"},"modified":"2026-10-21T10:22:20","modified_gmt":"2026-10-21T09:22:20","slug":"calculadora-orcamento-regra-50-30-20","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/pt\/financas\/calculadora-orcamento-regra-50-30-20\/","title":{"rendered":"Calculadora de or\u00e7amento \u2013 regra 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\">Monte seu or\u00e7amento mensal<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"2988\" data-favorite-title=\"Or\u00e7amento\" data-favorite-url=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-orcamento-regra-50-30-20\/\" data-favorite-excerpt=\"Monte seu or\u00e7amento mensal com a regra 50\/30\/20: informe seu sal\u00e1rio l\u00edquido e seus gastos reais e veja como suas necessidades, desejos e poupan\u00e7a se comparam \u00e0s metas. Voc\u00ea tamb\u00e9m pode usar as divis\u00f5es 70\/20\/10 ou 60\/20\/20.\" aria-label=\"Adicionar aos favoritos\" 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\/pt\/financas\/calculadora-orcamento-regra-50-30-20\/\" method=\"POST\" class=\"calculator\" id=\"calculator-2988\" data-post=\"2988\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Campos de entrada<\/legend><div class=\"field is-single\" id=\"input-1\"><label for=\"field-1\">Como informar a renda<\/label><div class=\"grid grid-cols-1\"><select id=\"field-1\" name=\"como_informar_a_renda\"><option value=\"net\" selected>Sal\u00e1rio mensal l\u00edquido<\/option><option value=\"gross\">Sal\u00e1rio anual bruto + al\u00edquota de imposto<\/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\">Renda mensal l\u00edquida<\/label><input type=\"text\" name=\"renda_mensal_lquida\" 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\">$<\/div><small id=\"calc-info-2\">O valor recebido ap\u00f3s impostos e descontos \u2014 a base padr\u00e3o da regra 50\/30\/20.<\/small><\/div><div class=\"field\" id=\"input-3\" hidden><label for=\"field-3\">Renda anual bruta<\/label><input type=\"text\" name=\"renda_anual_bruta\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"60000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field is-single\" id=\"input-4\" hidden><label for=\"field-4\">Al\u00edquota total de impostos e encargos<\/label><input type=\"text\" name=\"alquota_total_de_impostos_e_encargos\" 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\">Imposto de renda mais descontos trabalhistas (ex.: INSS) como porcentagem do sal\u00e1rio bruto. Renda mensal l\u00edquida = bruto \u00d7 (1 \u2212 al\u00edquota) \u00f7 12.<\/small><\/div><div class=\"field is-single\" id=\"input-5\"><label for=\"field-5\">Regra de or\u00e7amento<\/label><div class=\"grid grid-cols-1\"><select id=\"field-5\" name=\"regra_de_oramento\"><option value=\"r503020\" selected>50\/30\/20 (cl\u00e1ssica)<\/option><option value=\"r702010\">70\/20\/10 (custo de vida alto)<\/option><option value=\"r602020\">60\/20\/20 (equilibrada)<\/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\">Necessidades \u2014 essenciais<\/span><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Moradia (aluguel \/ financiamento)<\/label><input type=\"text\" name=\"moradia_aluguel_financiamento\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Contas dom\u00e9sticas<\/label><input type=\"text\" name=\"contas_domsticas\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">Energia el\u00e9trica, \u00e1gua, internet, telefone.<\/small><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Mercado<\/label><input type=\"text\" name=\"mercado\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Transporte<\/label><input type=\"text\" name=\"transporte\" id=\"field-10\" aria-describedby=\"calc-unit-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"280\"\/><div class=\"unit\" id=\"calc-unit-10\">$<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Seguros<\/label><input type=\"text\" name=\"seguros\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-12\">Parcelas m\u00ednimas de d\u00edvidas<\/label><input type=\"text\" name=\"parcelas_mnimas_de_dvidas\" id=\"field-12\" aria-describedby=\"calc-unit-12 calc-info-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"150\"\/><div class=\"unit\" id=\"calc-unit-12\">$<\/div><small id=\"calc-info-12\">Valor m\u00ednimo devido em empr\u00e9stimos e cart\u00f5es; pagamentos extras entram em Poupan\u00e7a.<\/small><\/div><div class=\"is-single field\" id=\"input-13\"><span class=\"font-semibold\">Desejos \u2014 estilo de vida<\/span><\/div><div class=\"field\" id=\"input-14\"><label for=\"field-14\">Restaurantes<\/label><input type=\"text\" name=\"restaurantes\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-15\"><label for=\"field-15\">Lazer<\/label><input type=\"text\" name=\"lazer\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"130\"\/><div class=\"unit\" id=\"calc-unit-15\">$<\/div><\/div><div class=\"field\" id=\"input-16\"><label for=\"field-16\">Assinaturas<\/label><input type=\"text\" name=\"assinaturas\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-17\"><label for=\"field-17\">Reserva para viagens<\/label><input type=\"text\" name=\"reserva_para_viagens\" id=\"field-17\" aria-describedby=\"calc-unit-17 calc-info-17\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"unit\" id=\"calc-unit-17\">$<\/div><small id=\"calc-info-17\">Valor mensal reservado para viagens.<\/small><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-18\">Compras<\/label><input type=\"text\" name=\"compras\" 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\">$<\/div><\/div><div class=\"is-single field\" id=\"input-19\"><span class=\"font-semibold\">Poupan\u00e7a e pagamentos extras de d\u00edvidas<\/span><\/div><div class=\"field\" id=\"input-20\"><label for=\"field-20\">Fundo de emerg\u00eancia<\/label><input type=\"text\" name=\"fundo_de_emergncia\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"250\"\/><div class=\"unit\" id=\"calc-unit-20\">$<\/div><\/div><div class=\"field\" id=\"input-21\"><label for=\"field-21\">Aposentadoria<\/label><input type=\"text\" name=\"aposentadoria\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-22\"><label for=\"field-22\">Pagamentos extras de d\u00edvidas<\/label><input type=\"text\" name=\"pagamentos_extras_de_dvidas\" id=\"field-22\" aria-describedby=\"calc-unit-22\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"unit\" id=\"calc-unit-22\">$<\/div><\/div><div class=\"is-single field\" id=\"input-23\" hidden><span class=\"font-semibold\">Linhas extras (opcional)<\/span><\/div><div class=\"field is-single\" id=\"input-24\"><label for=\"field-24\">N\u00famero de linhas extras<\/label><div class=\"grid grid-cols-1\"><select id=\"field-24\" name=\"nmero_de_linhas_extras\"><option value=\"None\">Nenhuma<\/option><option value=\"1 row\">1 linha<\/option><option value=\"2 rows\">2 linhas<\/option><option value=\"3 rows\">3 linhas<\/option><option value=\"4 rows\">4 linhas<\/option><option value=\"5 rows\">5 linhas<\/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\">Nome da linha 1<\/label><input type=\"text\" name=\"nome_da_linha_1\" id=\"field-25\" placeholder=\"ex.: Academia\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">Valor da linha 1<\/label><input type=\"text\" name=\"valor_da_linha_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\">$<\/div><\/div><div class=\"field\" id=\"input-27\" hidden><label for=\"field-27\">Grupo da linha 1<\/label><div class=\"grid grid-cols-1\"><select id=\"field-27\" name=\"grupo_da_linha_1\"><option value=\"needs\" selected>Necessidades<\/option><option value=\"wants\">Desejos<\/option><option value=\"savings\">Poupan\u00e7a<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">Nome da linha 2<\/label><input type=\"text\" name=\"nome_da_linha_2\" id=\"field-28\" placeholder=\"ex.: Pet\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">Valor da linha 2<\/label><input type=\"text\" name=\"valor_da_linha_2\" id=\"field-29\" aria-describedby=\"calc-unit-29\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-29\">$<\/div><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">Grupo da linha 2<\/label><div class=\"grid grid-cols-1\"><select id=\"field-30\" name=\"grupo_da_linha_2\"><option value=\"needs\" selected>Necessidades<\/option><option value=\"wants\">Desejos<\/option><option value=\"savings\">Poupan\u00e7a<\/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\">Nome da linha 3<\/label><input type=\"text\" name=\"nome_da_linha_3\" id=\"field-31\" placeholder=\"ex.: Creche\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-32\" hidden><label for=\"field-32\">Valor da linha 3<\/label><input type=\"text\" name=\"valor_da_linha_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\">$<\/div><\/div><div class=\"field\" id=\"input-33\" hidden><label for=\"field-33\">Grupo da linha 3<\/label><div class=\"grid grid-cols-1\"><select id=\"field-33\" name=\"grupo_da_linha_3\"><option value=\"needs\" selected>Necessidades<\/option><option value=\"wants\">Desejos<\/option><option value=\"savings\">Poupan\u00e7a<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-34\" hidden><label for=\"field-34\">Nome da linha 4<\/label><input type=\"text\" name=\"nome_da_linha_4\" id=\"field-34\" placeholder=\"ex.: Mensalidade escolar\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-35\" hidden><label for=\"field-35\">Valor da linha 4<\/label><input type=\"text\" name=\"valor_da_linha_4\" id=\"field-35\" aria-describedby=\"calc-unit-35\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-35\">$<\/div><\/div><div class=\"field\" id=\"input-36\" hidden><label for=\"field-36\">Grupo da linha 4<\/label><div class=\"grid grid-cols-1\"><select id=\"field-36\" name=\"grupo_da_linha_4\"><option value=\"needs\" selected>Necessidades<\/option><option value=\"wants\">Desejos<\/option><option value=\"savings\">Poupan\u00e7a<\/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\">Nome da linha 5<\/label><input type=\"text\" name=\"nome_da_linha_5\" id=\"field-37\" placeholder=\"ex.: Presentes\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-38\" hidden><label for=\"field-38\">Valor da linha 5<\/label><input type=\"text\" name=\"valor_da_linha_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\">Grupo da linha 5<\/label><div class=\"grid grid-cols-1\"><select id=\"field-39\" name=\"grupo_da_linha_5\"><option value=\"needs\" selected>Necessidades<\/option><option value=\"wants\">Desejos<\/option><option value=\"savings\">Poupan\u00e7a<\/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=\"Recalcular\" id=\"calculate-button\" data-post=\"2988\">Calcular<\/button><button type=\"reset\">Redefinir<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calcular automaticamente<\/label><small>Se ativado, o resultado \u00e9 atualizado automaticamente quando voc\u00ea altera qualquer valor.<\/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> Detalhamento do or\u00e7amento<\/h3><div class=\"result-box\"><div class=\"field-result is-column\" id=\"output-1\"><span class=\"field-title\"><span>Resumo da regra<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Renda mensal l\u00edquida<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Total de necessidades<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Percentual da renda para necessidades<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Meta de necessidades<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Necessidades vs. meta<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Total de desejos<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-8\"><span class=\"field-title\"><span>Percentual da renda para desejos<\/span><\/span><span class=\"field-value\" id=\"result-8\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-9\"><span class=\"field-title\"><span>Meta de desejos<\/span><\/span><span class=\"field-value\" id=\"result-9\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Desejos vs. meta<\/span><\/span><span class=\"field-value\" id=\"result-10\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Total de poupan\u00e7a<\/span><\/span><span class=\"field-value\" id=\"result-11\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-12\"><span class=\"field-title\"><span>Percentual da renda para poupan\u00e7a<\/span><\/span><span class=\"field-value\" id=\"result-12\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-13\"><span class=\"field-title\"><span>Meta de poupan\u00e7a<\/span><\/span><span class=\"field-value\" id=\"result-13\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Poupan\u00e7a vs. meta<\/span><\/span><span class=\"field-value\" id=\"result-14\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Sobra \/ d\u00e9ficit<\/span><\/span><span class=\"field-value\" id=\"result-15\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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>Para onde vai seu dinheiro (gr\u00e1fico de rosca)<\/span><\/span><span class=\"field-value\" id=\"result-16\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copiar resultado\" aria-label=\"Copiar resultado\"><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\">Copiar link para este c\u00e1lculo<\/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>Deixar um coment\u00e1rio<\/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=\"2988\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">O que voc\u00ea achou deste resultado?<\/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\">Curti <\/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\">\u00datil <\/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\">Confuso <\/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\">Decepcionado <\/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\">Impreciso <\/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>F\u00f3rmula do or\u00e7amento (regra 50\/30\/20)<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">F\u00f3rmula<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ M = \\begin{cases} N &amp; \\text{se o sal\u00e1rio l\u00edquido for informado} \\\\ \\dfrac{G\\,(1 - t)}{12} &amp; \\text{se forem informados o sal\u00e1rio bruto e a taxa de imposto} \\end{cases} \\]\n\\[ \\text{Meta de necessidades} = M \\times 0.50, \\qquad \\text{Meta de desejos} = M \\times 0.30, \\qquad \\text{Meta de poupan\u00e7a} = M \\times 0.20 \\\\ \\text{Participa\u00e7\u00f5es} = \\frac{\\text{total do grupo}}{M} \\times 100\\% \\\\\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Onde:<\/strong><\/p>\n<ul>\n<li>\\(M\\) \u2014 renda mensal l\u00edquida, o valor dispon\u00edvel para o or\u00e7amento<\/li>\n<li>\\(N\\) \u2014 sal\u00e1rio l\u00edquido mensal informado diretamente<\/li>\n<li>\\(G\\) \u2014 sal\u00e1rio anual bruto<\/li>\n<li>\\(t\\) \u2014 taxa total de impostos e encargos em decimal (ex.: 0,22 para 22%)<\/li>\n<li>Total do grupo \u2014 soma de todos os gastos atribu\u00eddos a necessidades, desejos ou poupan\u00e7a e pagamentos extras de d\u00edvidas<\/li>\n<\/ul>\n<p>A regra 50\/30\/20 divide a renda mensal l\u00edquida em tr\u00eas partes: 50% para necessidades, 30% para desejos e 20% para poupan\u00e7a e pagamentos extras de d\u00edvidas. As varia\u00e7\u00f5es 70\/20\/10 e 60\/20\/20 substituem essas tr\u00eas porcentagens pelos valores correspondentes.<\/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>Or\u00e7amento \u2013 exemplo de c\u00e1lculo<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Exemplo:<\/strong> seu sal\u00e1rio l\u00edquido mensal \u00e9 de $4.500 e voc\u00ea gasta $2.400 com necessidades (moradia $1.150, contas de servi\u00e7os $200, mercado $480, transporte $280, seguros $140, pagamentos m\u00ednimos de d\u00edvidas $150), $670 com desejos e $650 com poupan\u00e7a e pagamentos extras de d\u00edvidas.<\/p>\n<p>\\[ \\text{Meta de necessidades} = 4500 \\times 0.50 = 2250, \\quad \\text{Meta de desejos} = 4500 \\times 0.30 = 1350, \\quad \\text{Meta de poupan\u00e7a} = 4500 \\times 0.20 = 900 \\\\ \\text{Participa\u00e7\u00e3o de necessidades} = \\frac{2400}{4500} \\times 100 \\approx 53.3\\%, \\quad \\text{Participa\u00e7\u00e3o de desejos} = \\frac{670}{4500} \\times 100 \\approx 14.9\\%, \\quad \\text{Participa\u00e7\u00e3o de poupan\u00e7a} = \\frac{650}{4500} \\times 100 \\approx 14.4\\% \\\\ \\text{Sobra} = 4500 - (2400 + 670 + 650) = 4500 - 3720 = 780 \\\\ \\text{Poupan\u00e7a com a soma da sobra} = 650 + 780 = 1430 \\; (\\approx 31.8\\% \\text{ da renda}) \\\\ \\text{Exemplo com valor bruto: } G = 60000, \\; t = 0.22 \\Rightarrow M = \\frac{60000 \\times 0.78}{12} = 3900 \\]<\/p>\n<p><strong>Resultado:<\/strong> as necessidades ultrapassam a meta de $2.250 em $150 (6,7%), os desejos ficam $680 abaixo da meta, a poupan\u00e7a fica $250 abaixo da meta e $780 da renda ficam sem destino \u2014 direcionar essa sobra para a poupan\u00e7a levaria o grupo a $1.430, ou cerca de 31,8% da renda.<\/p>\n<p>\n\r\n<\/section>\n<h2>Como usar a calculadora<\/h2>\n<ol>\n<li>Escolha o modo de <strong>informe da renda<\/strong>: digite diretamente sua <strong>renda mensal l\u00edquida<\/strong> ou alterne para <strong>sal\u00e1rio anual bruto + taxa de imposto<\/strong> e preencha os campos <strong>Renda anual bruta<\/strong> e <strong>Taxa total de impostos e encargos<\/strong> que aparecer\u00e3o.<\/li>\n<li>Selecione uma <strong>regra de or\u00e7amento<\/strong>: 50\/30\/20 (cl\u00e1ssica), 70\/20\/10 (custo de vida alto) ou 60\/20\/20 (equilibrada).<\/li>\n<li>Informe seus valores mensais em <strong>Necessidades \u2014 essenciais<\/strong>: moradia, contas de servi\u00e7os, mercado, transporte, seguros e pagamentos m\u00ednimos de d\u00edvidas.<\/li>\n<li>Preencha os itens de <strong>Desejos \u2014 estilo de vida<\/strong>: refei\u00e7\u00f5es fora, lazer, assinaturas, reserva para viagens e compras.<\/li>\n<li>Informe sua <strong>Poupan\u00e7a e pagamentos extras de d\u00edvidas<\/strong>: fundo de emerg\u00eancia, contribui\u00e7\u00f5es para aposentadoria e qualquer pagamento acima do m\u00ednimo em empr\u00e9stimos ou cart\u00f5es.<\/li>\n<li>Se voc\u00ea tiver gastos que n\u00e3o se encaixam nas linhas pr\u00e9-definidas, selecione quantas linhas extras precisar em <strong>Linhas extras (opcional)<\/strong> e d\u00ea a cada uma um nome, um valor e um grupo (Necessidades, Desejos ou Poupan\u00e7a).<\/li>\n<li>Leia o <strong>Resumo do or\u00e7amento<\/strong>: cada grupo mostra o total, sua participa\u00e7\u00e3o na renda, a meta da regra escolhida e o quanto voc\u00ea est\u00e1 acima ou abaixo dela. A linha <strong>Sobra \/ d\u00e9ficit<\/strong> e o gr\u00e1fico de rosca mostram se todo d\u00f3lar da renda est\u00e1 destinado.<\/li>\n<\/ol>\n<h2>O que \u00e9 a regra 50\/30\/20?<\/h2>\n<p>A regra 50\/30\/20 \u00e9 um m\u00e9todo simples de or\u00e7amento popularizado pela senadora Elizabeth Warren no livro <em>All Your Worth<\/em>. Ela divide sua renda ap\u00f3s impostos em tr\u00eas blocos: 50% para <strong>necessidades<\/strong> (moradia, contas de servi\u00e7os, mercado, transporte, seguros, pagamentos m\u00ednimos de d\u00edvidas), 30% para <strong>desejos<\/strong> (refei\u00e7\u00f5es fora, lazer, assinaturas, compras, viagens) e 20% para <strong>poupan\u00e7a e pagamentos extras de d\u00edvidas<\/strong>. Seu apelo est\u00e1 na simplicidade: em vez de acompanhar dezenas de categorias de gasto, voc\u00ea verifica apenas se cada grande bloco permanece dentro da sua fatia da renda.<\/p>\n<p>A disciplina central da regra \u00e9 separar necessidades de desejos. Uma necessidade \u00e9 algo que voc\u00ea precisa pagar para viver e trabalhar \u2014 aluguel, alimenta\u00e7\u00e3o b\u00e1sica, contas de servi\u00e7os, os pagamentos m\u00ednimos que evitam a inadimpl\u00eancia. Um desejo \u00e9 tudo o que voc\u00ea poderia cortar sem danos s\u00e9rios. Note que os pagamentos m\u00ednimos de d\u00edvidas contam como necessidades, enquanto pagar mais do que o m\u00ednimo entra como poupan\u00e7a, porque amortizar o principal constr\u00f3i seu patrim\u00f4nio l\u00edquido do mesmo jeito que poupar.<\/p>\n<p>Interpretar os resultados \u00e9 simples. Se suas necessidades passam de 50% (ou 60%\/70% nas regras alternativas), a moradia e os essenciais est\u00e3o comprimindo seu or\u00e7amento \u2014 e essa \u00e9 a categoria mais dif\u00edcil de ajustar rapidamente. Se os desejos ultrapassam a meta, normalmente \u00e9 o lugar mais f\u00e1cil de cortar. Se a poupan\u00e7a fica abaixo de 20%, o valor de \"sobra\" da calculadora mostra exatamente quanto dinheiro est\u00e1 dispon\u00edvel para fechar a lacuna. Uma sobra negativa significa que voc\u00ea gasta mais do que ganha, um sinal de que \u00e9 preciso reduzir gastos ou aumentar a renda antes de otimizar qualquer outra coisa.<\/p>\n<p>As duas regras alternativas se encaixam em situa\u00e7\u00f5es diferentes. A divis\u00e3o <strong>70\/20\/10<\/strong> aceita que, em regi\u00f5es de custo de vida alto, as necessidades podem consumir a maior parte da renda, limitando a poupan\u00e7a a 10%. A divis\u00e3o <strong>60\/20\/20<\/strong> \u00e9 um meio-termo que muitos lares com custos fixos moderados consideram mais realista do que a regra cl\u00e1ssica.<\/p>\n<h2>Premissas, limita\u00e7\u00f5es e dicas pr\u00e1ticas<\/h2>\n<ul>\n<li>A regra se baseia na <strong>renda l\u00edquida (ap\u00f3s impostos)<\/strong>. Se voc\u00ea informar o sal\u00e1rio bruto, a calculadora desconta uma taxa fixa de impostos e encargos; uma taxa fixa \u00e9 apenas uma estimativa, ent\u00e3o, para maior precis\u00e3o, use seu sal\u00e1rio l\u00edquido real ou consulte primeiro nossa <a href=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-salario-liquido-impostos\/\">calculadora de sal\u00e1rio l\u00edquido<\/a>.<\/li>\n<li>As porcentagens s\u00e3o orienta\u00e7\u00f5es, n\u00e3o leis. Fechar o m\u00eas com 55% em necessidades enquanto quita d\u00edvidas agressivamente pode ser mais saud\u00e1vel do que um 50\/30\/20 perfeito sem pagamentos extras \u2014 compare estrat\u00e9gias com a <a href=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-bola-de-neve-de-dividas\/\">calculadora de m\u00e9todo bola de neve<\/a>.<\/li>\n<li>Gastos irregulares (reparos do carro, presentes, contas anuais) podem arruinar um or\u00e7amento mensal. Inclua uma m\u00e9dia mensal deles em necessidades ou desejos, ou mantenha um fundo reserva separado para que um m\u00eas ruim n\u00e3o pare\u00e7a gasto excessivo.<\/li>\n<li>O bloco de poupan\u00e7a s\u00f3 ajuda se o dinheiro for de fato poupado ou investido. Programe uma transfer\u00eancia autom\u00e1tica logo ap\u00f3s o pagamento; para ver o que uma poupan\u00e7a consistente pode construir, experimente a <a href=\"https:\/\/wpcalc.com\/pt\/financas\/juros-compostos\/\">calculadora de juros compostos<\/a> e, para ver o quadro de rela\u00e7\u00e3o d\u00edvida\/renda analisado pelos credores, use nossa <a href=\"https:\/\/wpcalc.com\/pt\/financas\/calculadora-indice-divida-renda\/\">calculadora de rela\u00e7\u00e3o d\u00edvida\/renda (DTI)<\/a>.<\/li>\n<li>Os pagamentos m\u00ednimos exigidos de financiamento imobili\u00e1rio, empr\u00e9stimo de carro ou cart\u00e3o entram em <strong>necessidades<\/strong>; todo valor acima do m\u00ednimo pertence ao grupo <strong>poupan\u00e7a e pagamentos extras de d\u00edvidas<\/strong>. Informe a divis\u00e3o corretamente, sen\u00e3o as participa\u00e7\u00f5es dos grupos ficar\u00e3o distorcidas.<\/li>\n<li>Se sua renda varia de m\u00eas a m\u00eas, fa\u00e7a o or\u00e7amento a partir de uma base conservadora (um m\u00eas t\u00edpico de renda baixa) e trate todo excedente como poupan\u00e7a, e n\u00e3o como dinheiro dispon\u00edvel para desejos.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Monte seu or\u00e7amento mensal com a regra 50\/30\/20: informe seu sal\u00e1rio l\u00edquido e seus gastos reais e veja como suas necessidades, desejos e poupan\u00e7a se comparam \u00e0s metas. Voc\u00ea tamb\u00e9m pode usar as divis\u00f5es 70\/20\/10 ou 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":[24],"class_list":["post-2988","post","type-post","status-publish","format-standard","hentry","category-financas","tag-orcamento"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/2988","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/comments?post=2988"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/posts\/2988\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/media?parent=2988"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/categories?post=2988"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/pt\/wp-json\/wp\/v2\/tags?post=2988"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}