Monthly Budget Calculator
From monthly income and core expenses, compute total spending and the savings rate to check if your budget balances.
輸入資料
計算結果
重點速覽：balance = income - (housing + food + transport + utilities + insurance + other). savings rate = balance / income x 100%. Example: income 30k, expenses 25k → balance 5k, savings rate 16.7%. In Hong Kong housing dominates; the 50/30/20 rule suggests needs ≤ 50%, wants ≤ 30%, savings ≥ 20%. MPF (usually 5% of relevant income for employees) is compulsory retirement saving. WARNING: Negative balance = overspending; a low savings rate weakens your safety net. For budgeting methods see the IFEC; for MPF rules the MPFA. This tool is for planning.
計算公式
每月總開支 = 住屋 + 食物 + 交通 + 公用事業 + 保險 + 娛樂及其他。
每月結餘 = 每月收入 − 每月總開支。
儲蓄率 = 每月結餘 ÷ 每月收入 × 100%。
$$\text{TotalExpenses} = \sum_{i} \text{Expense}_i$$$$\text{Balance} = \text{Income} - \text{TotalExpenses}$$$$\text{SavingsRate} = \dfrac{\text{Balance}}{\text{Income}} \times 100\%$$使用說明
- Enter your monthly income.
- Enter housing, food, transport, utilities, insurance and other expenses.
- View total expenses, balance and savings rate.
以每月收入 HK$30,000 為例，不同總開支水平所對應的每月結餘與儲蓄率對照表
| 每月總開支 | 每月結餘 | 儲蓄率 |
|---|---|---|
| HK$21,000 | HK$9,000 | 30.0% |
| HK$24,000 | HK$6,000 | 20.0% |
| HK$27,000 | HK$3,000 | 10.0% |
| HK$30,000 | HK$0 | 0.0% |
| HK$33,000 | −HK$3,000 | −10.0% |
以月入 HK$30,000 計算:結餘 = 收入 − 總開支，儲蓄率 = 結餘 ÷ 收入 × 100%。可見總開支每增加 HK$3,000，儲蓄率就下跌 10 個百分點;當總開支等於收入 (HK$30,000) 時儲蓄率為 0，超過收入即出現負結餘、入不敷支。一般理財建議把儲蓄率維持在 20% 或以上。數字僅供參考。
理財情境案例
月入 HK$30,000 的標準家庭預算：15% 儲蓄率
以每月稅後收入 HK$30,000 計，各項開支為:住屋 HK$12,000、食物 HK$5,000、交通 HK$2,000、公用事業及通訊 HK$1,500、保險及醫療 HK$2,000、娛樂及其他 HK$3,000，總開支 HK$25,500，每月結餘 HK$4,500，儲蓄率 15%。
住屋佔收入 40%，屬香港常見但偏高的水平;儲蓄率 15% 尚未達到 20% 的建議目標。若想提升儲蓄率至 20% (即每月結餘 HK$6,000)，可從彈性消費 (娛樂及其他) 著手削減約 HK$1,500，或設法增加收入，逐步把盈餘投入應急金與長線投資。
入不敷支的警號：月入 HK$25,000、結餘 −HK$3,000
月入 HK$25,000，但住屋 HK$13,000、食物 HK$5,500、交通 HK$2,500、公用事業 HK$1,500、保險 HK$2,000、其他 HK$3,500，總開支達 HK$28,000，結餘 −HK$3,000，儲蓄率 −12%。住屋單項已佔收入 52%，遠超合理水平，是典型的「租金/供樓過重」導致的入不敷支。
透過搬往較平單位把住屋降至 HK$11,000 (佔收入 44%)、並把娛樂及其他由 HK$3,500 減至 HK$2,000 後，總開支降至 HK$24,500，結餘由負轉正為 +HK$500 (儲蓄率 2%)。這說明住屋往往是預算中最大且最具調整空間的一項;先處理最大的開支缺口，通常比節省小額雜費更有效。
常見問題
What is a healthy savings rate?
The 50/30/20 rule suggests saving at least 20% of income; a common goal is 10-20%+ depending on life stage. In high-cost Hong Kong, hitting 20% is hard, but even 5-10% builds a habit. The key is a positive balance and a growing emergency fund (see the emergency-fund calculator).
How should I treat MPF in the budget?
For employees, MPF is usually deducted from salary (5% of relevant income, salary-based, up to the relevant cap) and matched by the employer — it is compulsory retirement saving, already part of your 'saving'. If you enter net (after-MPF) income, do not double-count it; if you enter gross, include the employee portion as saving. For rules see the MPFA.
My balance is negative — what to do?
Cut the biggest variable items first (dining, shopping, transport), then review housing (the largest fixed cost). If expenses are structural, raise income or consider a cheaper living arrangement. A persistently negative balance drains savings or builds debt — act early.
How do I use the 50/30/20 rule in Hong Kong?
Treat needs (housing, food, transport, utilities, insurance) as ≤ 50%, wants (entertainment, dining out, travel) ≤ 30%, savings/debt-repay ≤ 20%. In Hong Kong housing often exceeds 50% alone, so many adapt the split — the principle is to protect a savings floor rather than follow the exact ratios.
Any Hong Kong tools to help?
The IFEC offers budgeting and money-management education; the MPFA covers MPF. Pair this calculator with the emergency-fund, savings-goal and salaries-tax-MPF calculators to plan the full picture. This tool is for estimation, not advice.
相關工具
參考資料
內容審核：香港計算器財經團隊。預算分配框架採用國際通用的「50/30/20 法則」與儲蓄率概念，強積金供款規則參考積金局 (MPFA)，個人理財預算方法參考投資者及理財教育委員會 (IFEC) 之教材，結果僅供參考，實際以相關機構公佈為準。