A starting plan for ₹50k a month
This uses take-home pay and puts rent at 30%. Got a different rent? Type it in and the rest adjusts: wants shrink first, savings last.
| Category | Per month | Share |
|---|---|---|
| Rent | ₹15,000 | 30% |
| Groceries | ₹5,000 | 10% |
| Bills and phone | ₹2,500 | 5% |
| Transport | ₹2,500 | 5% |
| Eating out | ₹6,000 | 12% |
| Shopping | ₹4,500 | 9% |
| Fun and subscriptions | ₹4,500 | 9% |
| Emergency fund | ₹5,000 | 10% |
| Investments | ₹5,000 | 10% |
Rent: ₹15,000 is the line
The plan gives rent ₹15,000, which is 30% of take-home. The rent calculator calls ₹12,500 comfortable and ₹15,000 a stretch at this salary. Found a place for ₹20,000? Type it in. Wants drop from ₹15,000 to ₹10,000, and savings stay at ₹10,000. It still works, but there’s not much slack.
₹15,000 for wants
₹6,000 for eating out, ₹4,500 for shopping and ₹4,500 for fun and subscriptions. That’s a good amount. It’s also where a ₹50k salary quietly disappears: a weekend plan, a sale, a gadget on EMI. Check what’s left in Eating out before you book the table, not after.
₹10,000 a month in savings
₹5,000 to an emergency fund and ₹5,000 to investments. Essentials on this plan come to ₹25,000 a month, so a six-month fund is ₹1.5 lakh. At ₹5,000 a month that’s 30 months. Put the full ₹10,000 there and you’re done in 15.
After that, the whole ₹10,000 can go to a SIP or PPF. That’s ₹1.2 lakh a year before any returns.
Plan the yearly costs
Health insurance renewal, Diwali, the annual bike or car service. None of them come monthly, so they’re easy to forget until the bill lands. The sinking fund calculator turns them into one monthly amount. Take it out of wants, and the big months stop hurting.