📊 Planning Tool

Budget Planner

Split your monthly income the smart way with the proven 50/30/20 rule.

₹
The 50 / 30 / 20 rule
50% Needs30% Wants20% Savings
Needs (50%)
₹25,000
Rent, food, bills, EMIs
Wants (30%)
₹15,000
Shopping, dining, fun
Savings (20%)
₹10,000
SIP, emergency fund, goals

The 50/30/20 rule

A simple, popular budgeting framework: spend 50% of your take-home pay on needs (rent, food, bills, EMIs), 30% on wants (entertainment, dining, shopping), and save at least 20% (SIPs, emergency fund, goals). Adjust to your reality — but always pay your savings first.

A general guideline for educational purposes only. Not financial advice.