Planning
50-30-20 Monthly Salary Budget Allocator
Verified Indian financial mathematics, statutory regulations, and step-by-step actionable breakdowns.
SIP (Systematic Investment Plan)
Monthly compounding in Equity & Hybrid Mutual Funds
Monthly Investment Amount₹10,000
Expected Annual Returns (CAGR)12.0%
Time Horizon15 Years
Invested Amount
₹18,00,000
Wealth Gained
₹32,45,760
Total Corpus
₹50,45,760
Mathematical Formula & Calculation Engine
Allocates monthly take-home salary into Needs (50%), Wants (30%), and Savings/Investments (20%).
Needs = Salary × 0.50 | Wants = Salary × 0.30 | Investments = Salary × 0.20
Why Use the 50-30-20 Budget?
Prevents lifestyle inflation as salary increases
Guarantees that at least 20% of salary is saved on day 1
Removes guilt from spending 30% on leisure and hobbies
50-30-20 Budget FAQs
In expensive metro cities, it is common for Needs to reach 60%. Compensate by reducing Wants to 20% while strictly defending your 20% minimum investment allocation.
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