Budgeting · Planning
Monthly Cash Flow and Budget Planner
Compare income with essential costs, debt payments, flexible spending and goal contributions. The separate 50-30-20 view remains an illustrative reference, not a personalized allocation.
About the 50-30-20 Rule
50% Needs: Rent, groceries, utilities, EMIs, insurance premiums — expenses you cannot avoid.
30% Wants: Dining out, subscriptions, travel, shopping — lifestyle spending you choose.
20% Savings: Emergency fund, SIP investments, loan prepayments, retirement contributions — building your future.
The exact percentages are a starting point, not a rule. Adjust based on your income level and goals.