50% — Needs₹25,000Rent, groceries, utilities, EMIs
30% — Wants₹15,000Dining, entertainment, shopping
20% — Savings₹10,000FDs, SIPs, emergency fund
The 50/30/20 Rule
A simple framework for budgeting:
- 50% — Needs: Rent, groceries, utilities, insurance, EMIs
- 30% — Wants: Dining out, entertainment, shopping, subscriptions
- 20% — Savings & Investments: FDs, mutual funds, emergency fund
Enter your monthly income below to see your personalized allocation.
Where Does Your Money Actually Go?
Most people don't know their actual spending breakdown. RupeeTracker Pro's bank statement analysis uploads your bank CSV and automatically categorizes every transaction into 16 categories — showing you exactly where your money goes.
Invest the 20%
Once you know how much to invest each month, the question is where. A mix of SIPs (for growth), RDs (for discipline), and FDs (for safety) covers most goals. Track all of them in RupeeTracker.
Analyze your actual spending
Upload a bank statement for automatic categorization.
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