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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.
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.
Enter a positive income and nonnegative spending amounts. Empty optional categories count as zero.
A changed scenario needs valid spending and income above zero.
Amounts are monthly rupees. Each expense belongs in one category only. Unallocated = income minus essentials, debt, flexible spending and goal contributions. Ratios describe entered amounts; no ratio is graded as good, bad or safe.
Educational calculation only. Results are illustrative estimates, not personalized financial, investment, tax, legal, insurance, credit or lending advice.
Based on the 50-30-20 rule. Adjust proportions to match your actual lifestyle — the ratios are a starting guide, not a rule.