{"id":4153,"date":"2026-10-21T10:23:26","date_gmt":"2026-10-21T09:23:26","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/butce-hesaplama-50-30-20-kurali\/"},"modified":"2026-10-21T10:23:26","modified_gmt":"2026-10-21T09:23:26","slug":"butce-hesaplama-50-30-20-kurali","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/butce-hesaplama-50-30-20-kurali\/","title":{"rendered":"B\u00fct\u00e7e Hesaplama \u2013 50\/30\/20 Kural\u0131"},"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\">Ayl\u0131k b\u00fct\u00e7enizi olu\u015fturun<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4153\" data-favorite-title=\"B\u00fct\u00e7e\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/butce-hesaplama-50-30-20-kurali\/\" data-favorite-excerpt=\"50\/30\/20 kural\u0131 ile ayl\u0131k b\u00fct\u00e7enizi olu\u015fturun: net maa\u015f\u0131n\u0131z\u0131 ve ger\u00e7ek harcamalar\u0131n\u0131z\u0131 girin, ihtiya\u00e7, istek ve tasarruf kalemlerinizin hedeflerle kar\u015f\u0131la\u015ft\u0131rmas\u0131n\u0131 g\u00f6r\u00fcn. Dilerseniz 70\/20\/10 veya 60\/20\/20 da\u011f\u0131l\u0131m\u0131n\u0131 da kullanabilirsiniz.\" aria-label=\"Favorilere ekle\" 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\/tr\/finans\/butce-hesaplama-50-30-20-kurali\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4153\" data-post=\"4153\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field is-single\" id=\"input-1\"><label for=\"field-1\">Gelir giri\u015fi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-1\" name=\"gelir_girii\"><option value=\"net\" selected>Ayl\u0131k net maa\u015f<\/option><option value=\"gross\">Y\u0131ll\u0131k br\u00fct maa\u015f + vergi oran\u0131<\/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\">Ayl\u0131k net gelir (elimize ge\u00e7en)<\/label><input type=\"text\" name=\"aylk_net_gelir_elimize_geen\" 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\">$<\/div><small id=\"calc-info-2\">Vergiler ve kesintiler sonras\u0131nda elinize ge\u00e7en tutar \u2014 50\/30\/20 kural\u0131n\u0131n standart temelidir.<\/small><\/div><div class=\"field\" id=\"input-3\" hidden><label for=\"field-3\">Y\u0131ll\u0131k br\u00fct gelir<\/label><input type=\"text\" name=\"yllk_brt_gelir\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"60000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field is-single\" id=\"input-4\" hidden><label for=\"field-4\">Toplam vergi ve kesinti oran\u0131<\/label><input type=\"text\" name=\"toplam_vergi_ve_kesinti_oran\" 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\">Gelir vergisi ile sosyal g\u00fcvenlik kesintilerinin (\u00f6r. SGK) br\u00fct maa\u015f i\u00e7indeki toplam pay\u0131. Ayl\u0131k net = br\u00fct \u00d7 (1 \u2212 oran) \u00f7 12.<\/small><\/div><div class=\"field is-single\" id=\"input-5\"><label for=\"field-5\">B\u00fct\u00e7e kural\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-5\" name=\"bte_kural\"><option value=\"r503020\" selected>50\/30\/20 (klasik)<\/option><option value=\"r702010\">70\/20\/10 (y\u00fcksek ya\u015fam maliyeti)<\/option><option value=\"r602020\">60\/20\/20 (dengeli)<\/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\">\u0130htiya\u00e7lar \u2014 zorunlu harcamalar<\/span><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Bar\u0131nma (kira \/ konut kredisi)<\/label><input type=\"text\" name=\"barnma_kira_konut_kredisi\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Faturalar<\/label><input type=\"text\" name=\"faturalar\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">Elektrik, su, internet, telefon.<\/small><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Market harcamalar\u0131<\/label><input type=\"text\" name=\"market_harcamalar\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Ula\u015f\u0131m<\/label><input type=\"text\" name=\"ulam\" id=\"field-10\" aria-describedby=\"calc-unit-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"280\"\/><div class=\"unit\" id=\"calc-unit-10\">$<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Sigorta<\/label><input type=\"text\" name=\"sigorta\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-12\">Asgari bor\u00e7 \u00f6demeleri<\/label><input type=\"text\" name=\"asgari_bor_demeleri\" id=\"field-12\" aria-describedby=\"calc-unit-12 calc-info-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"150\"\/><div class=\"unit\" id=\"calc-unit-12\">$<\/div><small id=\"calc-info-12\">Kredi ve kartlar\u0131n asgari \u00f6deme tutarlar\u0131; yap\u0131lacak ek \u00f6demeler tasarruf grubuna kaydedilir.<\/small><\/div><div class=\"is-single field\" id=\"input-13\"><span class=\"font-semibold\">\u0130stekler \u2014 ya\u015fam tarz\u0131<\/span><\/div><div class=\"field\" id=\"input-14\"><label for=\"field-14\">D\u0131\u015far\u0131da yemek<\/label><input type=\"text\" name=\"darda_yemek\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-15\"><label for=\"field-15\">E\u011flence<\/label><input type=\"text\" name=\"elence\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"130\"\/><div class=\"unit\" id=\"calc-unit-15\">$<\/div><\/div><div class=\"field\" id=\"input-16\"><label for=\"field-16\">Abonelikler<\/label><input type=\"text\" name=\"abonelikler\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-17\"><label for=\"field-17\">Seyahat fonu<\/label><input type=\"text\" name=\"seyahat_fonu\" id=\"field-17\" aria-describedby=\"calc-unit-17 calc-info-17\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"unit\" id=\"calc-unit-17\">$<\/div><small id=\"calc-info-17\">Seyahatler i\u00e7in her ay ayr\u0131lan tutar.<\/small><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-18\">Al\u0131\u015fveri\u015f<\/label><input type=\"text\" name=\"alveri\" 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\">$<\/div><\/div><div class=\"is-single field\" id=\"input-19\"><span class=\"font-semibold\">Tasarruf ve ek bor\u00e7 \u00f6demeleri<\/span><\/div><div class=\"field\" id=\"input-20\"><label for=\"field-20\">Acil durum fonu<\/label><input type=\"text\" name=\"acil_durum_fonu\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"250\"\/><div class=\"unit\" id=\"calc-unit-20\">$<\/div><\/div><div class=\"field\" id=\"input-21\"><label for=\"field-21\">Emeklilik katk\u0131s\u0131<\/label><input type=\"text\" name=\"emeklilik_katks\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-22\"><label for=\"field-22\">Ek bor\u00e7 \u00f6demeleri<\/label><input type=\"text\" name=\"ek_bor_demeleri\" id=\"field-22\" aria-describedby=\"calc-unit-22\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"unit\" id=\"calc-unit-22\">$<\/div><\/div><div class=\"is-single field\" id=\"input-23\" hidden><span class=\"font-semibold\">Ek sat\u0131rlar (iste\u011fe ba\u011fl\u0131)<\/span><\/div><div class=\"field is-single\" id=\"input-24\"><label for=\"field-24\">Ek sat\u0131r say\u0131s\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-24\" name=\"ek_satr_says\"><option value=\"None\">Yok<\/option><option value=\"1 row\">1 sat\u0131r<\/option><option value=\"2 rows\">2 sat\u0131r<\/option><option value=\"3 rows\">3 sat\u0131r<\/option><option value=\"4 rows\">4 sat\u0131r<\/option><option value=\"5 rows\">5 sat\u0131r<\/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\">1. sat\u0131r\u0131n ad\u0131<\/label><input type=\"text\" name=\"1_satrn_ad\" id=\"field-25\" placeholder=\"\u00f6rn. spor salonu \u00fcyeli\u011fi\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">1. sat\u0131r\u0131n tutar\u0131<\/label><input type=\"text\" name=\"1_satrn_tutar\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-27\" hidden><label for=\"field-27\">1. sat\u0131r\u0131n grubu<\/label><div class=\"grid grid-cols-1\"><select id=\"field-27\" name=\"1_satrn_grubu\"><option value=\"needs\" selected>\u0130htiya\u00e7lar<\/option><option value=\"wants\">\u0130stekler<\/option><option value=\"savings\">Tasarruf<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">2. sat\u0131r\u0131n ad\u0131<\/label><input type=\"text\" name=\"2_satrn_ad\" id=\"field-28\" placeholder=\"\u00f6rn. evcil hayvan bak\u0131m\u0131\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">2. sat\u0131r\u0131n tutar\u0131<\/label><input type=\"text\" name=\"2_satrn_tutar\" id=\"field-29\" aria-describedby=\"calc-unit-29\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-29\">$<\/div><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">2. sat\u0131r\u0131n grubu<\/label><div class=\"grid grid-cols-1\"><select id=\"field-30\" name=\"2_satrn_grubu\"><option value=\"needs\" selected>\u0130htiya\u00e7lar<\/option><option value=\"wants\">\u0130stekler<\/option><option value=\"savings\">Tasarruf<\/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\">3. sat\u0131r\u0131n ad\u0131<\/label><input type=\"text\" name=\"3_satrn_ad\" id=\"field-31\" placeholder=\"\u00f6rn. \u00e7ocuk bak\u0131m\u0131\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-32\" hidden><label for=\"field-32\">3. sat\u0131r\u0131n tutar\u0131<\/label><input type=\"text\" name=\"3_satrn_tutar\" 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\">$<\/div><\/div><div class=\"field\" id=\"input-33\" hidden><label for=\"field-33\">3. sat\u0131r\u0131n grubu<\/label><div class=\"grid grid-cols-1\"><select id=\"field-33\" name=\"3_satrn_grubu\"><option value=\"needs\" selected>\u0130htiya\u00e7lar<\/option><option value=\"wants\">\u0130stekler<\/option><option value=\"savings\">Tasarruf<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-34\" hidden><label for=\"field-34\">4. sat\u0131r\u0131n ad\u0131<\/label><input type=\"text\" name=\"4_satrn_ad\" id=\"field-34\" placeholder=\"\u00f6rn. okul \u00fccreti\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-35\" hidden><label for=\"field-35\">4. sat\u0131r\u0131n tutar\u0131<\/label><input type=\"text\" name=\"4_satrn_tutar\" id=\"field-35\" aria-describedby=\"calc-unit-35\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-35\">$<\/div><\/div><div class=\"field\" id=\"input-36\" hidden><label for=\"field-36\">4. sat\u0131r\u0131n grubu<\/label><div class=\"grid grid-cols-1\"><select id=\"field-36\" name=\"4_satrn_grubu\"><option value=\"needs\" selected>\u0130htiya\u00e7lar<\/option><option value=\"wants\">\u0130stekler<\/option><option value=\"savings\">Tasarruf<\/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\">5. sat\u0131r\u0131n ad\u0131<\/label><input type=\"text\" name=\"5_satrn_ad\" id=\"field-37\" placeholder=\"\u00f6rn. hediyeler\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-38\" hidden><label for=\"field-38\">5. sat\u0131r\u0131n tutar\u0131<\/label><input type=\"text\" name=\"5_satrn_tutar\" 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\">5. sat\u0131r\u0131n grubu<\/label><div class=\"grid grid-cols-1\"><select id=\"field-39\" name=\"5_satrn_grubu\"><option value=\"needs\" selected>\u0130htiya\u00e7lar<\/option><option value=\"wants\">\u0130stekler<\/option><option value=\"savings\">Tasarruf<\/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=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4153\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/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> B\u00fct\u00e7e da\u011f\u0131l\u0131m\u0131<\/h3><div class=\"result-box\"><div class=\"field-result is-column\" id=\"output-1\"><span class=\"field-title\"><span>Kural \u00f6zeti<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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>Ayl\u0131k net gelir<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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>\u0130htiya\u00e7lar toplam\u0131<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>\u0130htiya\u00e7lar\u0131n gelir i\u00e7indeki pay\u0131<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>\u0130htiya\u00e7lar i\u00e7in hedef<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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>\u0130htiya\u00e7lar \u2014 hedefe g\u00f6re<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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>\u0130stekler toplam\u0131<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-8\"><span class=\"field-title\"><span>\u0130steklerin gelir i\u00e7indeki pay\u0131<\/span><\/span><span class=\"field-value\" id=\"result-8\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-9\"><span class=\"field-title\"><span>\u0130stekler i\u00e7in hedef<\/span><\/span><span class=\"field-value\" id=\"result-9\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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>\u0130stekler \u2014 hedefe g\u00f6re<\/span><\/span><span class=\"field-value\" id=\"result-10\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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>Tasarruf toplam\u0131<\/span><\/span><span class=\"field-value\" id=\"result-11\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-12\"><span class=\"field-title\"><span>Tasarrufun gelir i\u00e7indeki pay\u0131<\/span><\/span><span class=\"field-value\" id=\"result-12\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-13\"><span class=\"field-title\"><span>Tasarruf i\u00e7in hedef<\/span><\/span><span class=\"field-value\" id=\"result-13\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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>Tasarruf \u2014 hedefe g\u00f6re<\/span><\/span><span class=\"field-value\" id=\"result-14\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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>Artan \/ a\u00e7\u0131k<\/span><\/span><span class=\"field-value\" id=\"result-15\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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>Paran\u0131z nereye gidiyor (halka grafik)<\/span><\/span><span class=\"field-value\" id=\"result-16\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><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\">Bu hesaplaman\u0131n ba\u011flant\u0131s\u0131n\u0131 kopyala<\/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>Yorum b\u0131rak<\/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=\"4153\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Bu sonu\u00e7 hakk\u0131nda ne d\u00fc\u015f\u00fcn\u00fcyorsunuz?<\/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\">Be\u011fendim <\/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\">Faydal\u0131 <\/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\">Kafam kar\u0131\u015ft\u0131 <\/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\">Hayal k\u0131r\u0131kl\u0131\u011f\u0131 <\/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\">Hatal\u0131 <\/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>B\u00fct\u00e7e (50\/30\/20 Kural\u0131) form\u00fcl\u00fc<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Form\u00fcl<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ M = \\begin{cases} N &amp; \\text{net maa\u015f verilmi\u015fse} \\\\ \\dfrac{G\\,(1 - t)}{12} &amp; \\text{br\u00fct \u00fccret ve vergi oran\u0131 verilmi\u015fse} \\end{cases} \\]\n\\[ \\text{\u0130htiya\u00e7lar hedefi} = M \\times 0.50, \\qquad \\text{\u0130stekler hedefi} = M \\times 0.30, \\qquad \\text{Tasarruf hedefi} = M \\times 0.20 \\\\ \\text{Pay} = \\frac{\\text{grup toplam\u0131}}{M} \\times 100\\% \\\\\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Buradaki ifadeler:<\/strong><\/p>\n<ul>\n<li>\\(M\\) \u2014 net ayl\u0131k gelir, b\u00fct\u00e7eye ayr\u0131labilecek elinize ge\u00e7en tutar<\/li>\n<li>\\(N\\) \u2014 do\u011frudan girilen ayl\u0131k net maa\u015f<\/li>\n<li>\\(G\\) \u2014 y\u0131ll\u0131k br\u00fct \u00fccret<\/li>\n<li>\\(t\\) \u2014 toplam vergi ve bordro kesintisi oran\u0131, ondal\u0131k olarak (\u00f6rn. %22 i\u00e7in 0,22)<\/li>\n<li>Grup toplam\u0131 \u2014 ihtiya\u00e7lar, istekler ya da tasarruf ve ek bor\u00e7 \u00f6demelerine atanan t\u00fcm harcama tutarlar\u0131n\u0131n toplam\u0131<\/li>\n<\/ul>\n<p>50\/30\/20 kural\u0131, net ayl\u0131k geliri \u00fc\u00e7e b\u00f6ler: %50 ihtiya\u00e7lara, %30 isteklere, %20 tasarrufa ve ek bor\u00e7 \u00f6demelerine. 70\/20\/10 ve 60\/20\/20 varyantlar\u0131 ise bu \u00fc\u00e7 oran\u0131 kendi da\u011f\u0131l\u0131mlar\u0131yla de\u011fi\u015ftirir.<\/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>B\u00fct\u00e7e \u2013 Hesaplama \u00f6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> Ayl\u0131k net maa\u015f\u0131n\u0131z 4.500 $ ve harcamalar\u0131n\u0131z \u015f\u00f6yle: ihtiya\u00e7lara 2.400 $ (konut 1.150 $, faturalar 200 $, market 480 $, ula\u015f\u0131m 280 $, sigorta 140 $, asgari bor\u00e7 \u00f6demeleri 150 $), isteklere 670 $, tasarruf ve ek bor\u00e7 \u00f6demelerine 650 $.<\/p>\n<p>\\[ \\text{\u0130htiya\u00e7lar hedefi} = 4500 \\times 0.50 = 2250, \\quad \\text{\u0130stekler hedefi} = 4500 \\times 0.30 = 1350, \\quad \\text{Tasarruf hedefi} = 4500 \\times 0.20 = 900 \\\\ \\text{\u0130htiya\u00e7lar pay\u0131} = \\frac{2400}{4500} \\times 100 \\approx 53.3\\%, \\quad \\text{\u0130stekler pay\u0131} = \\frac{670}{4500} \\times 100 \\approx 14.9\\%, \\quad \\text{Tasarruf pay\u0131} = \\frac{650}{4500} \\times 100 \\approx 14.4\\% \\\\ \\text{Kalan} = 4500 - (2400 + 670 + 650) = 4500 - 3720 = 780 \\\\ \\text{Kalan eklenmi\u015f tasarruf} = 650 + 780 = 1430 \\; (\\approx 31.8\\% \\text{ gelir pay\u0131}) \\\\ \\text{Br\u00fct \u00f6rnek: } G = 60000, \\; t = 0.22 \\Rightarrow M = \\frac{60000 \\times 0.78}{12} = 3900 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> ihtiya\u00e7lar hedef olan 2.250 $'\u0131n 150 $ (%6,7) \u00fczerinde, istekler hedefin 680 $, tasarruflar hedefin 250 $ alt\u0131nda; gelirin 780 $'l\u0131k k\u0131sm\u0131 hi\u00e7bir gruba atanmam\u0131\u015f. Bu tutar tasarrufa y\u00f6nlendirilirse grup 1.430 $'a \u00e7\u0131kar; bu da gelirin yakla\u015f\u0131k %31,8'ine denk gelir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Gelir girme<\/strong> y\u00f6ntemini se\u00e7in: <strong>ayl\u0131k net gelirinizi<\/strong> do\u011frudan girin ya da <strong>y\u0131ll\u0131k br\u00fct \u00fccret + vergi oran\u0131<\/strong> se\u00e7ene\u011fine ge\u00e7ip beliren <strong>y\u0131ll\u0131k br\u00fct gelir<\/strong> ve <strong>toplam vergi ve bordro kesintisi oran\u0131<\/strong> alanlar\u0131n\u0131 doldurun.<\/li>\n<li>Bir <strong>b\u00fct\u00e7e kural\u0131<\/strong> se\u00e7in: 50\/30\/20 (klasik), 70\/20\/10 (y\u00fcksek ya\u015fam maliyeti) veya 60\/20\/20 (dengeli).<\/li>\n<li><strong>\u0130htiya\u00e7lar \u2013 temel harcamalar<\/strong> alt\u0131nda ayl\u0131k tutarlar\u0131n\u0131z\u0131 girin: konut, faturalar, market, ula\u015f\u0131m, sigorta ve asgari bor\u00e7 \u00f6demeleri.<\/li>\n<li><strong>\u0130stekler \u2013 ya\u015fam tarz\u0131<\/strong> kalemlerini doldurun: d\u0131\u015far\u0131da yemek, e\u011flence, abonelikler, seyahat fonu ve al\u0131\u015fveri\u015f.<\/li>\n<li><strong>Tasarruf &amp; ek bor\u00e7 \u00f6demeleri<\/strong>ni girin: acil durum fonu, emeklilik birikimi ve kredi ya da kart bor\u00e7lar\u0131n\u0131n asgari tutar\u0131n \u00fczerinde kalan \u00f6demeleri.<\/li>\n<li>Haz\u0131r sat\u0131rlara s\u0131\u011fmayan harcamalar\u0131n\u0131z varsa <strong>ek sat\u0131rlar (iste\u011fe ba\u011fl\u0131)<\/strong> alt\u0131nda ka\u00e7 sat\u0131ra ihtiyac\u0131n\u0131z oldu\u011funu se\u00e7in ve her sat\u0131ra bir ad, tutar ve grup (\u0130htiya\u00e7lar, \u0130stekler veya Tasarruf) verin.<\/li>\n<li><strong>B\u00fct\u00e7e da\u011f\u0131l\u0131m\u0131n\u0131<\/strong> okuyun: her grupta toplam\u0131n\u0131z, grubun gelir i\u00e7indeki pay\u0131, se\u00e7ilen kural\u0131n hedefi ve hedefin ne kadar \u00fczerinde ya da alt\u0131nda oldu\u011funuz g\u00f6r\u00fcn\u00fcr. <strong>Kalan \/ a\u00e7\u0131k<\/strong> sat\u0131r\u0131 ve halka grafik, gelirin her liras\u0131n\u0131n bir gruba atan\u0131p atanmad\u0131\u011f\u0131n\u0131 g\u00f6sterir.<\/li>\n<\/ol>\n<h2>50\/30\/20 kural\u0131 nedir?<\/h2>\n<p>50\/30\/20 kural\u0131, Senat\u00f6r Elizabeth Warren'\u0131n <em>All Your Worth<\/em> kitab\u0131yla yayg\u0131nla\u015fan basit bir b\u00fct\u00e7eleme \u00e7er\u00e7evesidir. Vergi sonras\u0131 gelirinizi \u00fc\u00e7 kovaya b\u00f6ler: %50 <strong>ihtiya\u00e7lara<\/strong> (konut, faturalar, market, ula\u015f\u0131m, sigorta, asgari bor\u00e7 \u00f6demeleri), %30 <strong>isteklere<\/strong> (d\u0131\u015far\u0131da yemek, e\u011flence, abonelikler, al\u0131\u015fveri\u015f, seyahat) ve %20 <strong>tasarrufa ve ek bor\u00e7 \u00f6demelerine<\/strong>. \u00c7ekici yan\u0131 basitli\u011fidir: onlarca harcama kategorisini takip etmek yerine yaln\u0131zca her b\u00fcy\u00fck grubun gelir i\u00e7indeki pay\u0131nda kal\u0131p kalmad\u0131\u011f\u0131n\u0131 kontrol edersiniz.<\/p>\n<p>Kural\u0131n temel disiplini, ihtiya\u00e7lar\u0131 isteklerden ay\u0131rmakt\u0131r. \u0130htiya\u00e7, ya\u015famak ve \u00e7al\u0131\u015fmak i\u00e7in \u00f6demek zorunda oldu\u011funuz \u015feydir \u2014 kira, temel g\u0131da, faturalar, sizi temerr\u00fcde d\u00fc\u015f\u00fcrmeyen asgari \u00f6demeler. \u0130stek ise ciddi bir zarar g\u00f6rmeden vazge\u00e7ebilece\u011finiz her \u015feydir. Dikkat edilecek nokta: asgari bor\u00e7 \u00f6demeleri ihtiya\u00e7 say\u0131l\u0131rken borca yap\u0131lan ek \u00f6demeler tasarruf say\u0131l\u0131r; \u00e7\u00fcnk\u00fc anapara \u00f6demesi net de\u011ferinizi, tasarruf yapar gibi art\u0131r\u0131r.<\/p>\n<p>Sonu\u00e7lar\u0131 yorumlamak da kolayd\u0131r. \u0130htiya\u00e7lar\u0131n\u0131z %50'yi a\u015farsa (alternatif kurallarda %60\/%70) konut ve temel harcamalar b\u00fct\u00e7enizi s\u0131k\u0131\u015ft\u0131r\u0131yor demektir; \u00fcstelik bu, h\u0131zla ayarlanmas\u0131 en zor kategoridir. \u0130stekler hedefi a\u015farsa genellikle budad\u0131\u011f\u0131n\u0131z en kolay yer oras\u0131d\u0131r. Tasarruflar %20'nin alt\u0131nda kal\u0131rsa hesaplaman\u0131n \"kalan\" tutar\u0131, a\u00e7\u0131\u011f\u0131 kapatmak i\u00e7in elinizde ne kadar para oldu\u011funu tam olarak g\u00f6sterir. Kalan tutar\u0131n\u0131n negatif olmas\u0131, kazand\u0131\u011f\u0131n\u0131zdan fazla harcad\u0131\u011f\u0131n\u0131z anlam\u0131na gelir ve ba\u015fka her \u015feyi iyile\u015ftirmeden \u00f6nce harcamalar\u0131 azaltman\u0131z ya da geliri art\u0131rman\u0131z gerekti\u011finin sinyalidir.<\/p>\n<p>\u0130ki alternatif kural farkl\u0131 durumlara uyar. <strong>70\/20\/10<\/strong> da\u011f\u0131l\u0131m\u0131, y\u00fcksek ya\u015fam maliyetine sahip b\u00f6lgelerde ihtiya\u00e7lar\u0131n gelirin \u00e7o\u011funu t\u00fcketebilece\u011fini ve tasarrufun %10 ile s\u0131n\u0131rl\u0131 kalabilece\u011fini kabul eder. <strong>60\/20\/20<\/strong> da\u011f\u0131l\u0131m\u0131 ise orta d\u00fczeyde sabit maliyete sahip bir\u00e7ok hanenin klasik kuraldan daha ger\u00e7ek\u00e7i buldu\u011fu bir ara yoldur.<\/p>\n<h2>Varsay\u0131mlar, s\u0131n\u0131rlamalar ve pratik \u00f6neriler<\/h2>\n<ul>\n<li>Kural <strong>net (vergi sonras\u0131) gelir<\/strong> \u00fczerinedir. Br\u00fct \u00fccret girerseniz hesaplama sabit bir vergi ve bordro kesintisi oran\u0131 uygular; sabit oran yaln\u0131zca bir tahmindir. Kesin sonu\u00e7 i\u00e7in ger\u00e7ekten elinize ge\u00e7en tutar\u0131 kullan\u0131n ya da \u00f6nce <a href=\"https:\/\/wpcalc.com\/tr\/finans\/maas-ceki-hesaplama-net-maas\/\">net maa\u015f hesaplay\u0131c\u0131m\u0131za<\/a> bak\u0131n.<\/li>\n<li>Y\u00fczdeler yasa de\u011fil, yol g\u00f6stericidir. Bor\u00e7lar agresif bi\u00e7imde \u00f6denirken ihtiya\u00e7lar\u0131n %55'e \u00e7\u0131kmas\u0131, hi\u00e7 ek \u00f6deme yap\u0131lmayan kusursuz bir 50\/30\/20'den daha sa\u011fl\u0131kl\u0131 olabilir \u2014 stratejileri <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-kartopu-hesaplayicisi-kartopu-vs-cig\/\">bor\u00e7 kartopu hesaplay\u0131c\u0131s\u0131yla<\/a> kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<li>D\u00fczensiz harcamalar (ara\u00e7 onar\u0131m\u0131, hediyeler, y\u0131ll\u0131k faturalar) ayl\u0131k b\u00fct\u00e7eyi alt\u00fcst edebilir. Bunlar\u0131n ayl\u0131k ortalamas\u0131n\u0131 ihtiya\u00e7lara ya da isteklere yaz\u0131n ya da ayr\u0131 bir birikim fonu tutun; b\u00f6ylece k\u00f6t\u00fc bir ay d\u00fcped\u00fcz fazla harcama gibi g\u00f6r\u00fcnmez.<\/li>\n<li>Tasarruf grubu ancak ger\u00e7ekten biriktirilir ya da yat\u0131r\u0131ma y\u00f6nlendirilirse i\u015fe yarar. Maa\u015f yatt\u0131ktan hemen sonra otomatik bir havale kurun; d\u00fczenli tasarrufun neler in\u015fa edebilece\u011fini g\u00f6rmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/bilesik-faiz\/\">bile\u015fik faiz hesaplay\u0131c\u0131s\u0131n\u0131<\/a> deneyin, kredi verenlerin bakt\u0131\u011f\u0131 bor\u00e7-gelir tablosunu g\u00f6rmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">bor\u00e7-gelir oran\u0131 hesaplay\u0131c\u0131m\u0131z\u0131<\/a> kullan\u0131n.<\/li>\n<li>Konut kredisi, ara\u00e7 kredisi ya da kart borcu i\u00e7in zorunlu asgari \u00f6demeler <strong>ihtiya\u00e7lara<\/strong> girer; asgarinin \u00fczerindeki her \u015fey <strong>tasarruf &amp; ek bor\u00e7 \u00f6demeleri<\/strong> grubuna aittir. Ayr\u0131m\u0131 do\u011fru girin, yoksa grup paylar\u0131n\u0131z yan\u0131lt\u0131c\u0131 \u00e7\u0131kar.<\/li>\n<li>Geliriniz aydan aya de\u011fi\u015fiyorsa b\u00fct\u00e7eyi ihtiyatl\u0131 bir taban tutardan (d\u00fc\u015f\u00fck ama tipik bir ay) yap\u0131n ve \u00fczerinde kalan her \u015feyi isteklere ayr\u0131labilecek para de\u011fil, tasarruf say\u0131n.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>50\/30\/20 kural\u0131 ile ayl\u0131k b\u00fct\u00e7enizi olu\u015fturun: net maa\u015f\u0131n\u0131z\u0131 ve ger\u00e7ek harcamalar\u0131n\u0131z\u0131 girin, ihtiya\u00e7, istek ve tasarruf kalemlerinizin hedeflerle kar\u015f\u0131la\u015ft\u0131rmas\u0131n\u0131 g\u00f6r\u00fcn. Dilerseniz 70\/20\/10 veya 60\/20\/20 da\u011f\u0131l\u0131m\u0131n\u0131 da kullanabilirsiniz.<\/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-4153","post","type-post","status-publish","format-standard","hentry","category-finans","tag-butce"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4153","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/comments?post=4153"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4153\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}