50-30-20 Rule
Split take-home pay 50% needs, 30% wants, 20% savings.
₹1.00L
₹15.0K₹20.00L
₹20.0K
to save monthly
How it works
A budgeting starting point: half your income covers necessities, a third covers the things that make life enjoyable, and at least a fifth goes to savings and debt repayment.
Where it breaks down
In high-rent Indian cities the "needs" half is often unrealistic, and early in a career the savings share should be higher than 20% if you can manage it.
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Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.