ہوممالی ٹولزبجٹ پلانر (50/30/20)

بجٹ پلانر (50/30/20)

اپنی تنخواہ کو ضرورتوں، خواہشوں اور بچت میں تقسیم کریں اور اپنے اصل خرچ سے اس کا موازنہ کریں

₹۶۰ ہزار
₹
ٹیکس، پی ایف اور دوسری کٹوتیوں کے بعد ہاتھ میں آنے والی تنخواہ، ساتھ میں کوئی باقاعدہ اضافی آمدنی۔
%
کرایہ، ای ایم آئی، راشن، بل، فیس، انشورنس۔
%
باہر کھانا، شاپنگ، تفریح، سیر سپاٹا۔
%
ایس آئی پی، پی پی ایف، ایمرجنسی فنڈ، قرض کی پیشگی ادائیگی۔
ہر مہینے بچت اور سرمایہ کاری
₹۱۲,۰۰۰
بارہ ہزار روپے
₹۶۰,۰۰۰ کا ۲۰%
ضروریات (۵۰%)
₹۳۰,۰۰۰
خواہشات (۳۰%)
₹۱۸,۰۰۰
بچت (۲۰%)
₹۱۲,۰۰۰
ایک سال میں بچت
₹۱,۴۴,۰۰۰
کسی بھی ریٹرن سے پہلے
ایمرجنسی فنڈ کا ہدف
₹۱,۸۰,۰۰۰
6 مہینوں کی ضروریات
پہلے اپنی بچت الگ کریں: اپنی ایس آئی پی اور آر ڈی تنخواہ کے ایک دو دن بعد کٹنے کے لیے سیٹ کریں، پھر جو بچے وہ خرچ کریں۔ اپنا اصل بجٹ جانچنے کے لیے "میرے اصل خرچ سے موازنہ کریں" آن کریں۔
Your target split

یہ پوری طرح آپ کے براؤزر میں چلتا ہے۔ آپ جو کچھ ٹائپ یا اپ لوڈ کرتے ہیں وہ نہ ہمیں بھیجا جاتا ہے اور نہ کہیں محفوظ ہوتا ہے۔

یہ نتائج اندازے ہیں، مالی مشورہ نہیں۔ شرحیں، چارجز اور اصول بدلتے رہتے ہیں، اس لیے کوئی فیصلہ کرنے سے پہلے اپنے بینک، پوسٹ آفس یا مالی مشیر سے تصدیق کر لیں۔ استعمال کی شرائط

نیچے دی گئی گائیڈ ترجمہ تیار ہونے تک انگریزی میں ہے۔

استعمال کا طریقہ

  1. اپنی ہاتھ میں آنے والی ماہانہ آمدنی درج کریں: ٹیکس اور پی ایف کٹنے کے بعد ملنے والی تنخواہ، ساتھ میں کوئی باقاعدہ اضافی آمدنی۔
  2. 50 / 30 / 20 کی تقسیم رہنے دیں یا ضروریات، خواہشات اور بچت کے فیصد بدل دیں۔ ان کا مجموعہ 100% ہونا چاہیے۔
  3. ہر حصے کا ماہانہ ہدف، سالانہ بچت اور ایمرجنسی فنڈ کا ہدف دیکھیں۔
  4. میرے اصل خرچ سے موازنہ کریں آن کریں اور اپنا کرایہ، ای ایم آئی، راشن، بل، فیس، باہر کھانا، شاپنگ، ایس آئی پی اور دوسرے زمروں کا خرچ بھریں۔ سالانہ خرچ کا بارہواں حصہ درج کریں۔
  5. چارٹ، ہدف بمقابلہ اصل کی پٹیاں اور مشورے دیکھیں تاکہ پتا چلے کہ آپ کا بجٹ کہاں بگڑ رہا ہے اور سب سے پہلے کیا بدلنا ہے۔

What is the 50/30/20 budget?

The 50/30/20 rule is a simple way to split your take-home pay. It was popularised by Elizabeth Warren and Amelia Warren Tyagi in their 2005 book All Your Worth. Instead of tracking dozens of categories, you sort every rupee into three groups:

  • 50% Needs: what you must pay even in a bad month: rent or home-loan EMI, other loan EMIs, groceries, electricity, gas, mobile and internet, commute, school fees, insurance premiums, and support you've committed to parents or family.
  • 30% Wants: what makes life enjoyable but could be cut: eating out and food delivery, shopping, OTT subscriptions, movies, holidays and gadget upgrades.
  • 20% Savings: money for your future: SIPs, PPF, NPS, RDs, building an emergency fund, and paying off loans early.

The formula

Needs = take-home income × 50%
Wants = take-home income × 30%
Savings = take-home income × 20%

Worked example: ₹60,000 take-home

GroupTargetActual (example)Share
Needs: rent ₹12,000, EMI ₹5,000, groceries ₹6,000, bills ₹2,500, commute ₹2,500, fees ₹2,000, insurance ₹1,500₹30,000₹31,50052.5%
Wants: eating out, shopping, OTT, trips, other₹18,000₹10,50017.5%
Savings: SIP ₹5,000, PPF/RD ₹2,000, emergency fund ₹2,000₹12,000₹9,00015%
Not assignedNone₹9,00015%

Needs are slightly over target, wants are well under, and ₹9,000 isn't assigned to anything. Unassigned money tends to vanish into small spends, so the quickest fix is to set up a SIP or RD of at least ₹3,000 that goes out the day after salary day. That brings savings up to the 20% target.

Adapting the rule to Indian life

  • Big-city rents and home loans can push needs well past 50%. A 60/20/20 or 60/25/15 split is a realistic starting point. Try to bring needs down as your income grows.
  • EMIs: count home, car and education loan EMIs as needs. An EMI on a phone or TV you bought on "no-cost EMI" is really a want. If EMIs take more than about a third of your take-home pay, avoid new loans and prepay the costliest one first (credit cards and personal loans).
  • Family support: money sent to parents or siblings is a commitment for many households, so list it under needs.
  • Festivals, weddings and annual fees: divide yearly costs (Diwali shopping, school admission fees, insurance premiums, vehicle insurance) by 12 and budget them every month, so they don't wreck one month's budget.
  • EPF is already deducted: your employee PF contribution comes out before your take-home pay. It's real saving on top of the 20%, so the 20% here is what you save from your in-hand salary.

Build the safety net first

Before you invest for long-term goals, build an emergency fund of 3–6 months of essential expenses in a savings account, sweep FD or liquid fund, so a job loss or hospital bill doesn't push you into debt. Make sure you have health insurance for the family and, if anyone depends on your income, a term life plan. After that, direct the savings share to your goals through SIPs, PPF or NPS.

Tips that make a budget stick

  • Pay yourself first: schedule SIPs and RDs for the day after salary credit.
  • Use a separate account or UPI wallet for "wants" spending, so you can see when the month's allowance is used up.
  • Review subscriptions every few months. Unused OTT plans and app subscriptions add up.
  • When you get a raise, increase your SIP by at least half the raise before your lifestyle expands to fill it.

اکثر پوچھے جانے والے سوالات

It's a simple way to split your take-home pay: 50% for needs (rent, EMIs, groceries, bills, fees, insurance), 30% for wants (eating out, shopping, entertainment, trips) and 20% for savings and investments (SIPs, PPF, emergency fund, loan prepayment). Elizabeth Warren and Amelia Warren Tyagi popularised it in their 2005 book All Your Worth.

With 50/30/20, a ₹50,000 take-home salary gives ₹25,000 for needs, ₹15,000 for wants and ₹10,000 for savings. If rent and EMIs take more than ₹25,000, a 60/20/20 split (₹30,000 / ₹10,000 / ₹10,000) keeps savings intact by trimming wants.

Home, car and education loan EMIs are commitments, so count them as needs. EMIs for a phone, TV or holiday bought on credit are really wants spread over time. Extra payments you make to close a loan early count as savings.

Often not at first. High rents in cities like Mumbai, Bengaluru and Delhi can push needs to 60% or more. Use the percentages as a direction, not a strict rule: keep savings at 15–20% by cutting wants, and move towards 50% needs as your income grows.

A common guideline is 3–6 months of essential expenses (needs), kept somewhere safe and easy to withdraw, such as a savings account, sweep-in FD or liquid fund. If your income is irregular or one person earns for the whole family, aim for the higher end.

Your employee EPF contribution is deducted before your take-home pay, so it isn't part of the income you enter here. Treat it as a bonus on top of the 20% you save from your in-hand salary. Voluntary PF (VPF) is also deducted from your salary, so the same applies to it.