50-30-20 Budget Planner
Apply the classic 50-30-20 rule to your Indian household budget. Needs 50%, Wants 30%, Savings 20%.
Quick Summary: 50-30-20 Budget Planner
The 50-30-20 rule is a simple framework: 50% for Needs (Rent, EMI, Food), 30% for Wants (Travel, Dining), and 20% for Savings (SIPs, Emergency Fund). In a 2026 high-inflation environment, Indian financial planners often recommend a 'Reverse 50-30-20'—where you automate 20% savings first before spending.
How to use the 50-30-20 Budget Planner
- 1
Enter monthly net income
Input your total take-home income after tax and deductions.
- 2
Distribute cashflow
Allocate 50% to Needs (groceries, rent), 30% to Wants (dining, hobby), and 20% to Savings (SIP, PF).
- 3
Monitor variances
Track actual spends monthly to verify if they align with the 50-30-20 targets.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.