Where is your salary actually going?
The 50/30/20 rule in thirty seconds — needs, wants, and what is left.
Your month
Score your spending
Enter what you earn and what you spend. We work out the rest.
Your savings rate is
20%
you save ₹12,000 of ₹60,000 every month
The 50/30/20 benchmark
| Ideal | You | ||
|---|---|---|---|
| Needs (50%) | ₹30,000 | ₹30,000 | on track |
| Wants (30%) | ₹18,000 | ₹18,000 | on track |
| Savings (20%) | ₹12,000 | ₹12,000 | on track |
₹12,000/month for 15 years becomes ₹60,54,912.
* Returns shown are illustrative, not guaranteed. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Common questions
What is the 50/30/20 rule?
A simple split of take-home pay: 50% to needs, 30% to wants, 20% to savings. It is a benchmark, not a law — but it is a useful thing to measure yourself against.
What counts as a need versus a want?
A need is something you cannot skip next month without consequence — rent, EMIs, utilities, basic groceries. Everything else is a want.
My savings rate is below 20%. Is that bad?
It is a starting point, not a verdict. Raising your rate by even two or three percentage points a year compounds into a large difference.