Nothing left at month end?
Where does your pay go?
- Your pay as needs, wants and savings
- Checked against the 50/30/20 rule
- When your emergency fund is ready
- Needs₹55,00055%
- Wants₹27,00027%
- Saved₹18,00018%
Your pay as 100 coins
- Needs55%
- Wants27%
- Saved18%
Against the 50/30/20 rule
- Rent or home EMI₹25,000
- Groceries & household₹12,000
- Bills & utilities₹5,000
- Commute₹5,000
- Other EMIs & insurance₹8,000
- 50%₹50,000
- Eating out & ordering in₹9,000
- Shopping₹8,000
- Trips & fun₹8,000
- Subscriptions₹2,000
- 30%₹30,000
- Saved₹18,000
- 20%₹20,000
Your inputs
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What this means
- Trim ₹2,000 a month to save 20%. By 2036 that's ₹4.13 L more.
Why?
Wants are the easiest place to find it: eating out & ordering in alone is ₹9,000 a month.
- Your emergency fund of ₹3.3 L is ready by Jul 2027, 9 mo away.
Why?
Keep 6 months of needs in a savings account or liquid fund before investing for the long term. It pays the bills if income stops.
- Needs take 55% of your pay, above the 50% guide.
Why?
Housing is usually the lever: rent or EMI at 25% of pay. Over 30% makes every other goal harder. In big cities 60/20/20 is a fairer target.
- ₹1,000 less on wants each month is ₹2.07 L by 2036.
Why?
Invested at 10% a year. Small monthly habits compound like SIPs do.
More details
What your savings build
₹1.5 L saved so far, plus each month's savings invested at 10% a year.
Tax when you sell your savings
- Your savings ₹41.24 L after 10 years₹2.2 L tax · you keep ₹39.04 L
- Saving 20% ₹45.37 L after 10 years₹2.42 L tax · you keep ₹42.95 L
Equity fund, sold in one go in 2036, before inflation. Gains pay 12.5% above ₹1.25L a year plus 4% cess. Interest in an FD or savings account is taxed at your slab instead.
How it's calculated
The 50/30/20 rule splits take-home pay into three parts:
- Needs, 50%: rent or home EMI, groceries, bills, commute, other EMIs and insurance.
- Wants, 30%: eating out, shopping, trips and subscriptions.
- Savings, 20%: whatever is left, invested each month.
Savings grow from what you've already saved plus each month's leftover, invested at the start of the month at your return. The emergency fund target is 6 months of needs.
Tax if you sell (equity funds). Units held a year or more pay 12.5% on gains above ₹1.25 L a year; units held under a year pay 20%. Both add 4% cess.
Tax = max(0, gain − ₹1.25 L) × 12.5% × 1.04
You keep = value − tax
After-tax return = (you keep ÷ put in)1/years − 1