6-Dabba Salary Rule kya hai?

Salary aate hi use 6 hisson (dabbon) mein baantne ka rule: GHAR 40% (rent/EMI, bills, grocery, fuel), PARIVAAR 10% (maa-papa, bachon ki fees), KAVACH 10% (pehle emergency fund, phir health + term insurance), KAL 20% (SIP/investment), KHUSHI 15% (guilt-free kharcha), TYOHAAR 5% (Diwali, shaadi, gifts). Formula: 40-10-10-20-15-5.

50-30-20 rule India mein kyun fit nahi baithta?

50-30-20 videsh ke liye bana hai. Usme do cheezein hoti hi nahi jo India mein har salary se jaati hain: maa-baap/parivaar ko paise bhejna, aur Diwali-shaadi-gift jaise saal ke bade kharche. 6-Dabba Rule inke liye alag PARIVAAR (10%) aur TYOHAAR (5%) dabbe rakhta hai.

Agar rent ya EMI zyada hai toh kya karein?

Agar rent + EMI salary ke 30% se zyada hai, toh Tight Mode: GHAR 50, PARIVAAR 10, KAVACH 10, KAL 15, KHUSHI 10, TYOHAAR 5. Pehle KHUSHI kaato, KAL (investment) nahi. SIP kabhi zero nahi — 1,000 rupaye bhi 0 se behtar hai. Increment aaye toh uska aadha KAL mein daalo jab tak standard mode par na aa jao.

Emergency fund kitna hona chahiye?

6 mahine ka GHAR kharcha (rent/EMI + bills + grocery), alag account mein. Jab tak ye target poora na ho, KAVACH dabbe ka poora paisa emergency fund mein daalo. Target poora hone ke baad KAVACH se health aur term insurance ka premium bharo.

Salary aate hi sabse pehle kya karna chahiye?

Salary wale din ke agle din 4 auto-transfer set karo: KAL ka SIP auto-debit, KAVACH aur TYOHAAR doosre account mein, PARIVAAR seedha unke account mein. Salary account mein sirf GHAR aur KHUSHI bache — galti karna mushkil ho jaata hai.

Salary Calculator — 6-Dabba Rule: Salary Aate Hi 6 Hisson Mein Baanto

India ka salary rule: 40-10-10-20-15-5. 50-30-20 videsh ke liye bana hai — usme maa-papa wale paise aur Diwali-shaadi ke kharche hain hi nahi. Apni salary daalo, apna plan lo — auto-transfer checklist ke saath.

Apna Plan Banao

🇮🇳 GHAR · PARIVAAR · KAVACH · KAL · KHUSHI · TYOHAAR

Monthly in-hand salary (₹)₹40,000

Rent + EMI har mahine (₹) (optional)₹0

Parivaar ko har mahine bhejte ho (₹) (optional — default 10%)Auto

Emergency fund abhi kitna hai (₹)₹0

Salary kis tareekh ko aati hai?

Asli trick: salary wale din 4 auto-transfer laga do — phir yaad rakhna hi nahi padta. Checklist neeche milegi. 👇

Aapke 6 Dabbe

✓ Standard Mode — 40-10-10-20-15-5

Har rang = ek dabba. Poori salary = 100%.

KAVACH — Emergency Fund Tracker

Target = 6 mahine ka GHAR kharcha = ₹96,000

KAL — Aapki SIP Kya Banegi

SIP: ₹8,000/mahina · 12% assumed return (Nifty 50 ka long-term average — guaranteed nahi)

Saal	Aapne daala	Ban sakta hai*

*Assumed 12% CAGR par estimate. Mutual fund returns market par depend karte hain, guaranteed nahi hain.

Step-up SIP ke saath detail mein dekho →

Salary-Day Checklist — 4 Auto-Transfer

Ye ek baar set karo (2 tareekh ko, salary ke agle din). Salary account mein sirf GHAR + KHUSHI bache — galti karna mushkil ho jaata hai.

TYOHAAR Fund — Saal Bhar Ka

Har mahine ₹2,000 alag account mein = ₹24,000 saal ka.

Diwali, shaadi ka gift, naya phone, ghar jaane ka ticket — credit card nahi, apna paisa.

Increment rule: jab bhi increment aaye, uska aadha (50%) seedha KAL mein daalo. Lifestyle baad mein badhao, SIP pehle.

6-Dabba Rule — Poora Samjho

50-30-20 rule India mein kyun fail hota hai? Kyunki wo videsh ke liye bana hai. Usme do cheezein hoti hi nahi jo India mein har salary se jaati hain: maa-baap/parivaar ko paise, aur Diwali-shaadi-gift jaise saal ke bade kharche. Jab rule mein inki jagah nahi hoti, toh ye paise "KHUSHI" ya "savings" se chori hote hain — aur rule 2 mahine mein toot jaata hai. Isliye 6 dabbe.

GHAR (40%) mein kya-kya aata hai?

Rent ya home-loan EMI, bijli-pani-gas, grocery, petrol/metro, mobile recharge — jo na do toh ghar ruk jaaye. Isse zyada ja raha hai toh kharcha nahi, ghar ya EMI bada hai — Tight Mode dekho.

PARIVAAR (10%) alag dabba kyun hai?

Kyunki ye kharcha har mahine "achanak" nahi aata — fix hai. Maa-papa ko bhejna, bachon ki fees, gaon, dawai. Pehle se alag rakha toh 20 tareekh ko udhaar nahi maangna padta. Aur agar aap 10% se zyada bhejte ho, toh farak KHUSHI se kaato — KAL (investment) se kabhi nahi.

KAVACH (10%) mein pehle kya — emergency fund ya insurance?

Pehle emergency fund: 6 mahine ka GHAR kharcha, alag savings account mein. Wo target poora ho jaaye, phir isi dabbe se health insurance aur term insurance ka premium. Emergency fund ke bina insurance claim ke pehle hi jeb khali ho jaati hai.

KAL (20%) — PF hai toh SIP kyun?

PF retirement ke liye locked hai aur akela kaafi nahi hota. KAL ka 20% PF ke upar hai. Best trick: SIP ka auto-debit salary aane ke agle din — paisa dikha hi nahi, kharch bhi nahi hua.

KHUSHI (15%) — guilt-free kyun zaroori hai?

Jo rule khushi chhod deta hai, wo 2 mahine mein toot jaata hai. Iske andar bahar khana, shopping, OTT — jo marzi, bina guilt. Bas iske upar ek rupaya nahi.

Rent/EMI aadhi salary kha jaata hai — tab?

Tight Mode: GHAR 50, PARIVAAR 10, KAVACH 10, KAL 15, KHUSHI 10, TYOHAAR 5. Pehle KHUSHI kaato, KAL nahi — SIP kabhi zero nahi, ₹1,000 bhi 0 se behtar hai. Aur increment ka aadha KAL mein, jab tak standard mode par na aa jao.

Aage Ke Tools

📈 SIP Calculator — KAL ka paisa kya ban sakta hai
🛡️ Term Insurance Guide + Health Insurance Guide — KAVACH ke liye
🧮 Income Tax Calculator — in-hand salary pata karne ke liye
💰 Emergency Fund Guide — kitna, kahan, kaise