Regra 70/20/10
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
70/20/10
About this calculator
The 70/20/10 rule is a personal financial management tool that helps prioritize spending, investments, and donations. It's simple: 70% of your income should go towards fixed and necessary expenses, such as rent, food, and basic bills.
20% can be used for flexible expenses, such as travel, entertainment, and hobbies. Finally, 10% are set aside for investments and donations, such as retirement, education, and social causes.
This rule is simple, but it can be very effective in helping to control spending and prioritize financial goals. Remember to adjust the proportion according to your needs and priorities.
Frequently asked questions
What is the 70/20/10 rule?
The 70/20/10 rule is a personal financial management tool that helps prioritize spending, investments, and donations. It's simple and easy to understand.
Why should 70% of my income go towards fixed expenses?
This proportion helps ensure you have a stable budget and can pay important bills, such as rent and basic expenses.
Can I change the 70/20/10 proportion?
Yes, you can adjust the proportion according to your needs and priorities. The important thing is to find a balance that works for you.
Where can I apply the 10% of my income?
This proportion can be used for investments, such as retirement, education, or donations to social causes.