Start with take-home income and a budget template, then adjust spending categories to your actual obligations. Percentage rules are planning examples rather than personal recommendations.
Click any salary to instantly see a complete budget breakdown for that income
Model and content reviewed 2 October 2026. Results depend on your inputs.
Use the salary credited to your bank after payroll deductions, not CTC. The buttons divide that amount into needs, wants and savings. These are starting templates, not a measurement of your actual expenses.
| Monthly take-home | Needs: 50% | Wants: 30% | Savings: 20% |
|---|---|---|---|
| ₹30,000 | ₹15,000 | ₹9,000 | ₹6,000 |
| ₹50,000 | ₹25,000 | ₹15,000 | ₹10,000 |
| ₹75,000 | ₹37,500 | ₹22,500 | ₹15,000 |
Record the commitments first. Choosing the 60/20/20 or 70/10/20 template changes a proposed allocation; it does not reduce an existing bill. A household supporting dependants or paying debt may need a different split.
A ₹24,000 annual insurance premium can require a ₹2,000 monthly provision. The same approach helps with school fees, repairs or travel. Avoid counting the annual bill again if you already included its monthly provision.
The category breakdown and score are illustrations generated from the selected percentages. They do not assess your financial health or recommend a particular investment, insurance cover or return. Review actual spending and debt before committing to a SIP or long lock-in. For the opportunity cost of one repeated expense, use the habit calculator below.
These are original illustrations, not product quotations or return forecasts. Calculation examples checked 22 October 2026.