Financial Planning
Monthly Budget Planner
Apply the 50/30/20 rule to your income. Track needs, wants, and savings with traffic-light indicators and annual surplus projection.
50/30/20 Suggested Split
Needs 50%: ₹50,000Wants 30%: ₹30,000Savings 20%: ₹20,000
Needs (50%)Suggested: ₹50,000
₹0 used
Wants (30%)Suggested: ₹30,000
₹0 used
Savings (20%)Suggested: ₹20,000
₹0 used
50/30/20 is a guideline, not a rule. High-cost cities may need 60/20/20. Prioritise: (1) clear high-interest debt, (2) build 6-month emergency fund, (3) invest for goals. Annual projection assumes monthly surplus invested at 12% p.a. in SIPs.
For general guidance only. Consult your CA for advice specific to your situation.