Plan a monthly budget and compare it with the 50/30/20 guide.
Spend about 50% on needs, 30% on wants and 20% on savings and debt. On ₹80,000 income with ₹70,000 of expenses you have ₹10,000.00 left each month.
A budget shows where your money goes. Enter your monthly take-home income and list your expenses, marking each as a need, a want or savings/debt. The calculator shows your surplus or shortfall, your savings rate and how your spending compares with the popular 50/30/20 guide.
The 50/30/20 split is a guide, not a rule — high rents may push needs above 50%. Build savings with the Savings Calculator, check housing costs with the Rent Calculator and clear debts with the Debt Payoff Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Monthly income | ₹80,000.00 |
| Total expenses | ₹70,000.00 |
| Surplus | ₹10,000.00 |
| Savings rate (surplus + savings/debt) | 41.3% |
| Group | Your amount | Your share | Guide |
|---|---|---|---|
| Needs | ₹35,000.00 | 43.8% | 50% |
| Wants | ₹12,000.00 | 15% | 30% |
| Savings / debt | ₹23,000.00 | 28.8% | 20% |
| Case | Left over |
|---|---|
| Income ₹60,000 | ₹10,000.00 |
| Income ₹80,000 | ₹10,000.00 |
| Income ₹1,00,000 | ₹30,000.00 |
| Income ₹1,50,000 | ₹80,000.00 |
| Income ₹70,000 | ₹0.00 |
A budgeting guide: 50% of take-home pay for needs, 30% for wants and 20% for savings and debt repayment.
Rent, groceries, utilities, transport to work, insurance and minimum debt payments.
Dining out, entertainment, subscriptions, travel and non-essential shopping.
Many planners suggest at least 20% of take-home pay, including debt repayment beyond the minimums.
Look at wants first, then negotiate recurring bills; check the shortfall line to see how much to cut.
Yes — divide annual costs such as insurance and festivals by 12 so they do not surprise you.
It uses the standard formula: surplus = income − expenses savings rate = (surplus + savings and debt payments) ÷ income The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
