Salary Calculator — 5 Multiply Rule: Apni Salary Ka Health Checkup
Bas 5 multiply yaad rakho: × 0.25 invest · × 0.15 car max · × 0.10 emergency · × 0.15 mauj · × 0.35 ghar. Salary daalo, apne asli kharche daalo — aur dekho kahan galti ho rahi hai. Neeche goal planner bhi hai: kis goal ke liye kitna SIP chahiye.
Step 1: Salary + Asli Kharche
Report card ke liye apne ASLI numbers daalo (jo nahi pata, khaali chhodo):
Aapka Report Card
Step 2: Goal Planner — Kis Sapne Ke Liye Kitna SIP?
Goal chuno, aaj ki keemat aur kitne saal baad chahiye — hum 6% inflation jodkar batayenge ki har mahine kitna SIP chahiye, aur kis tarah ke instrument mein (horizon ke hisaab se).
Columns: goal · aaj ki keemat (₹) · kitne saal baad. Assumed returns: <3 saal 6.5% (FD/debt) · 3-7 saal 10% (hybrid) · 7+ saal 12% (equity). Guaranteed nahi hain.
☝️ Koi goal tick karo — hisaab yahin aa jayega.
Step 3: Invest Kaise Kare — Sahi Order (Complete Guide)
- Pehle emergency fund — Salary × 0.10 har mahine, alag savings account mein, jab tak 6 mahine ki salary jama na ho. Ye hai woh deewar jiske peeche aapki SIP crash mein bhi survive karti hai. Poori guide →
- Phir suraksha — term insurance (salary ka 15-20x cover) + family health insurance. Ye investment nahi, foundation hai. Term guide → · Health guide →
- Ab invest — Salary × 0.25, goal ke hisaab se: 3 saal se kam = FD/RD/debt (paisa pakka chahiye), 3-7 saal = hybrid/balanced, 7+ saal = equity index SIP. Tax-free guaranteed chahiye toh PPF; beti hai toh SSY (8.2%, India ka best guaranteed rate). Retirement ke liye EPF/NPS ke upar equity SIP.
- SIP auto-debit salary ke agle din — paisa dikha nahi, kharch nahi hua. Mahine ke end mein "jo bacha woh invest" kabhi kaam nahi karta.
- Har increment ka 50% invest mein — lifestyle baad mein badhao. 10 saal mein yahi ek aadat sabse bada farak banati hai. Step-up ka magic yahan dekho: Advanced SIP Calculator →
- Car ka lalach — × 0.15 cap yaad rakho. EMI + petrol + insurance + maintenance sab milakar. Car nahi hai? Wahi 15% goals mein daalo — 7 saal mein wahi car cash se aa jayegi.
Ready Reckoner — Common Salaries Ka Hisaab
| Salary | 💰 Invest (×0.25) | 🚗 Car max (×0.15) | 🛟 Emergency/mah (×0.10) | 🎉 Mauj (×0.15) | 🏠 Ghar max (×0.35) | EF target (6 mah) |
|---|---|---|---|---|---|---|
| ₹25,000 | ₹6,250 | ₹3,750 | ₹2,500 | ₹3,750 | ₹8,750 | ₹1,50,000 |
| ₹40,000 | ₹10,000 | ₹6,000 | ₹4,000 | ₹6,000 | ₹14,000 | ₹2,40,000 |
| ₹60,000 | ₹15,000 | ₹9,000 | ₹6,000 | ₹9,000 | ₹21,000 | ₹3,60,000 |
| ₹1,00,000 | ₹25,000 | ₹15,000 | ₹10,000 | ₹15,000 | ₹35,000 | ₹6,00,000 |
25+15+10+15+35 = 100%. Car nahi hai toh uska 15% invest/goals mein. Emergency fund poora ho jaye toh uska 10% bhi invest mein — tab invest 35-50% tak pahunch sakta hai.
FAQ
Ye 25% invest bahut zyada lag raha hai — shuru kahan se karun?
₹1,000 se. Rule target hai, pehla kadam nahi. Aaj 5% se shuru karo, har increment ka 50% jodte jao — 2-3 saal mein 25% apne aap ho jayega. Zero se 5% jaana sabse bada jump hai, 20% se 25% sabse chhota.
Emergency fund ×0.10 monthly hai ya ×6 total?
Dono: har mahine Salary × 0.10 daalo, jab tak total 6 mahine ki salary (Salary × 6) jama na ho jaye. Us hisaab se ~5 saal lagte hain — isliye jaldi shuru karo. Fund poora hone ke baad ye 10% invest mein shift kar do.
Rent 35% se zyada ja raha hai — kya karun?
Metro mein common hai. Pehle mauj (15%) se kaato, invest (25%) se nahi. Aur lambi planning: ghar paas lo ya flatmate — 5% rent bachana = invest 20% badhana. 6-Dabba calculator ka Tight Mode yahi handle karta hai.
12% / 10% / 6.5% returns pakke hain?
Nahi. Ye assumed rates hain — equity ka 12% Nifty 50 ke long-term average ke aas-paas hai, par market guarantee nahi deta. FD/debt wala 6.5% sabse pakka hai. Isliye chhote goals (3 saal se kam) kabhi equity mein nahi.
PF kat'ta hai — woh 25% mein count hoga?
Nahi. EPF aapki retirement ka base hai aur locked hai. 25% uske upar hai — kyunki ghar ka down payment, bacche ki padhai, car — ye sab EPF se nahi aayenge.
Aage Ke Tools
📦 6-Dabba Rule Calculator — salary aate hi kaise baantein (auto-transfer system)
📈 SIP Calculator + Step-up SIP — invest ka paisa kya banega
🎯 Goal Savings Planner · 🏖️ Retirement Calculator
🧮 CTC → In-hand Salary Calculator — pehle in-hand nikaalo, phir yahan plan banao