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50/30/20 budget calculator
The 50/30/20 rule is a simple way to split your income: 50% to needs, 30% to wants, 20% to savings. Enter your take-home pay to see the amounts for you.
It's a starting framework you can adjust to your life.
Free · No ads · Made in India · Android (iOS coming soon)
Needs (50%)
Rent, bills, groceries, EMIs
₹0
Wants (30%)
Dining, shopping, entertainment
₹0
Savings (20%)
Investments, emergency fund, goals
₹0
Estimates only — a quick starting point, not financial advice.
What each bucket covers
- Needs (50%) — rent, utilities, groceries, transport, EMIs
- Wants (30%) — dining, shopping, entertainment, travel
- Savings (20%) — investments, emergency fund, financial goals
Make it real
The split is only useful if you track against it. Set these three numbers as budgets in Balance and watch your actual spending line up — or not — as the month goes on.
Frequently asked questions
What is the 50/30/20 rule?
It splits take-home income into 50% needs, 30% wants and 20% savings. It's a flexible starting point — adjust the ratios to fit high-rent cities or aggressive saving goals.
Is 50/30/20 realistic in India?
It's a guide, not a law. In high-rent cities needs may exceed 50%; the point is to keep wants in check and protect savings. Adjust the ratios to your reality and track against them.
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