💼 Planificador de Presupuesto
FreePlanifique su presupuesto mensual, realice un seguimiento de los gastos y asigne ahorros utilizando la regla estándar de planificación financiera 50/30/20.
₹50,000
₹35,000
₹15,000
Great! You are living within your income limit.
50/30/20 Budget Rule Analysis
Needs (Target 50%)
Rent, Groceries, Utilities, BillsActual Spent: ₹23,000 / Limit: ₹25,000
Wants (Target 30%)
Dining Out, Movies, Shopping, TravelActual Spent: ₹4,000 / Limit: ₹15,000
Savings/Debt (Target 20%)
Mutual Funds, FD, Debt Payoff, EPFActual Saved: ₹8,000 / Target: ₹10,000
Add Expense Item
Expenses Ledger
Items: 5| Name | Label | Category | Amount | Action |
|---|---|---|---|---|
| House Rent | Rent/Housing | needs | ₹15,000 | |
| Groceries | Groceries/Food | needs | ₹6,000 | |
| Electricity | Utilities | needs | ₹2,000 | |
| Dining Out | Entertainment | wants | ₹4,000 | |
| Mutual Fund SIP | SIP/Investments | savings | ₹8,000 |
Understanding the 50/30/20 Budgeting Rule
The 50/30/20 rule is an intuitive, robust budgeting guideline designed to help individuals manage their post-tax monthly income. It was popularized by Senator Elizabeth Warren in her book All Your Worth: The Ultimate Lifetime Money Plan. The rule divides your income into three clear spending buckets:
- 50% Needs: These are unavoidable bills and commitments. Examples include home rent or mortgage payments, groceries, utility bills (electricity, water, internet), medical expenses, and minimum debt repayments.
- 30% Wants: These represent lifestyle expenses that are optional. Examples include dining out, movies, subscription services (Netflix, Spotify), vacation trips, shopping for non-essential clothing, and hobbies.
- 20% Savings: This portion is dedicated to building your financial future. It includes emergency funds, retirement contributions (NPS, PPF), mutual fund SIPs, debt-prepayment (paying off loans early), and stock investments.
Our interactive budget planner automatically categorizes your income and ledger items, warning you if you exceed recommended thresholds. By saving your plan to your device, you can track progress over time and stay on top of your financial goals.