Priyanka Personal Finance
Smart Money · Simple Words · India
Smart Money · Simple Words · India
Enter your income, add your monthly expenses by Indian category, and instantly see your 50/30/20 split, how much you're really saving, and where your money goes — free, private, no login.
Educational use only · Not financial advice · Your numbers stay in your browser and are never uploaded
The 50/30/20 rule is the simplest way to budget your salary. You split your monthly take-home income into three buckets:
This planner takes your real numbers and shows your actual split against this ideal — so you can see at a glance whether you're overspending on Wants or under-saving.
Want an offline version? Download our free Monthly Budget & Cash-Flow Planner (Excel) from the Free Tools page.
The 50/30/20 rule splits your take-home income into 50% Needs (rent, groceries, EMIs, bills), 30% Wants (eating out, shopping, OTT), and 20% Savings & Investments (SIP, emergency fund, RD). It is a simple starting framework — adjust the ratios to your own situation.
Enter your monthly take-home income, then list expenses under Needs, Wants and Savings using Indian categories like rent, groceries, EMI, recharge and UPI spends. The planner instantly shows your actual split versus the ideal 50/30/20 and how much you are saving.
A good target is at least 20% of take-home income, rising to 30%+ as your salary grows. Even ₹2,000–₹5,000 a month invested in a SIP early builds significant wealth through compounding.
Yes. The planner is 100% free, needs no login, and runs entirely in your browser — your income and expense figures are never sent to any server or stored online.
The planner shows a red deficit warning when expenses exceed income. Start by trimming Wants (eating out, shopping, subscriptions), then renegotiate fixed Needs like rent or high-interest EMIs to bring your budget back to surplus.