50-30-20 Budget Rule: How It Works on an Indian Salary
The 50-30-20 budget rule splits take-home pay into needs, wants and savings. See how it works on an Indian salary, with worked examples and metro-city tweaks.
· 5 min read
Budgeting & Money Management
Salary budgets, emergency funds, the 50/30/20 rule and expense tracking for Indian households.
All budgeting articles
Emergency Fund: How Much You Need and Where to Keep It
How much emergency fund do you need in India? Learn the 3-6-12 month rule, how to calculate your number, and where to park it safely: savings, FD or liquid fund.
· 5 min read
How to Manage Salary: Budgets for ₹25k, ₹50k and ₹1 Lakh
How to manage your salary in India with a simple monthly plan, plus sample budgets for ₹25,000, ₹50,000 and ₹1 lakh take-home pay. Save first, then spend.
· 5 min read
How to Track Monthly Expenses: 5 Simple Methods That Work
How to track monthly expenses in India using bank and UPI statements, a spreadsheet or an app. Includes a 30-day method, category template and a worked example.
· 5 min read
Pay Off Debt or Invest First? A Simple Rule for Indians
Should you pay off debt or invest first? Compare your loan rate with a realistic post-tax return, with worked examples for credit cards, personal and home loans.
· 6 min read