50-30-20 Budget Planner
Enter your monthly take-home salary. The 50-30-20 rule splits it into needs (50%), wants (30%), and savings (20%). Use this as a starting point to allocate your money intentionally.
Rent, groceries, utilities, EMIs, insurance — essentials you can't skip.
Dining out, subscriptions, travel, shopping — lifestyle spends.
SIPs, emergency fund, PPF, NPS — money that works for you.
Based on the 50-30-20 rule. Adjust proportions to match your actual lifestyle — the ratios are a starting guide, not a rule.
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.