50-30-20 Budget Calculator for Indians

Your income

Salary amount

₹

Period

City type

Budget split

Debt & EMI repayments

Enter your monthly EMIs. These are counted inside your needs bucket and shown separately in the breakdown.

Home / Car loan

₹

Personal loan

₹

Credit card min. due

₹

Education loan

₹

Other EMIs

₹

Total monthly EMIs ₹0

50%

Needs

₹37,500

Max for essentials

30%

Wants

₹22,500

Guilt-free spending

20%

Savings

₹15,000

Invest & grow

Needs 50% Wants 30% Savings 20%

Needs breakdown

Rent—

Groceries—

Utilities—

Transport—

Insurance—

EMIs (in needs)—

Wants breakdown

Dining out—

Shopping—

Entertainment—

Travel fund—

Personal care—

Savings breakdown

Emergency fund—

SIP / Mutual funds—

PPF / ELSS—

NPS—

Personalised tip

Enter your salary above to see your personalised plan.

This calculator is for educational purposes only and does not constitute financial advice. Breakdown figures are indicative estimates. Consult a SEBI-registered financial adviser before making investment decisions.