# Where is your salary actually going?

The 50/30/20 rule in thirty seconds — needs, wants, and what is left.

Score your monthly spending against the 50/30/20 rule, find your savings rate, and see what your surplus could become.

## What you enter

- Monthly income
- Needs — rent, EMI, bills, groceries
- Wants — eating out, shopping, travel
- Invest the surplus for

## What you get back

- Your savings rate is
- you save ₹{savings} of ₹{income} every month

## Questions about this calculator

### 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.

## Other calculators

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- [Goal planner](https://eazysip.com/calculators/goal-planner)
- [Step-up SIP calculator](https://eazysip.com/calculators/step-up-sip)
- [Cost of delay calculator](https://eazysip.com/calculators/cost-of-delay)
- [EMI calculator](https://eazysip.com/calculators/emi)

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## Disclaimer

Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. EazySIP is operated by Dzambala Financial Services LLP, an AMFI-registered Mutual Fund Distributor (ARN-313834); investments are made in Regular Plans, for which the distributor receives trail commission from the AMC.