Salary-to-Lifestyle
Alignment
The 50/30/20 rule adapted for Indian city tiers. See where you're leaking wealth.
Monthly Take-Home
₹
Needs (Target: 50%)
Rent / Home Loan EMI
₹
Groceries & Food
₹
Utilities & Bills
₹
Transport & Fuel
₹
Insurance Premiums
₹
Wants (Target: 30%)
Dining Out & Delivery
₹
Entertainment & Leisure
₹
Shopping & Subscriptions
₹
Savings & Investments (Target: 20%)
SIP + Emergency Fund + All Investments
₹
50/30/20 Analysis
Needs
Overspending
57%
Target: 50%
Wants
Under budget
20%
Target: 30%
Savings
On target
23%
Target: 20%
💡 Smart Nudge
You're saving 23% — above the 20% benchmark. Excellent financial discipline. Consider increasing your SIP step-up by 5%.