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About this tool
Split your take-home pay into 50% needs, 30% wants and 20% savings, then compare it against what you actually spend.
This 50-30-20 budget rule calculator splits your monthly take-home pay into three buckets — 50% for needs, 30% for wants and 20% for savings and debt payoff — and then compares those targets against what you actually spend. It shows the rupee gap in every bucket, your real savings rate, and whether your total spending has quietly crossed your income. It is built for salaried earners who want a simple, repeatable monthly budget without maintaining a spreadsheet.
Open 50-30-20 Budget Rule Calculator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Enter what you actually spend and see the exact rupee overshoot in each bucket.
Switch to 60-20-20, 70-20-10 or 40-30-30 when the classic rule does not fit your rent.
Projects what your current savings rate and your target rate each add up to over twelve months.
Use take-home pay — the amount credited to your bank after income tax, EPF and professional tax. Applying the rule to gross CTC overstates every bucket because a large slice never reaches your account.
The contractual EMI on a home, education or vehicle loan is a need because missing it has legal and credit consequences. Any extra prepayment you make voluntarily belongs in the 20% savings and debt-payoff bucket.
Twenty percent is a floor, not a finish line. If you started saving late, want to retire early, or carry no employer pension beyond EPF, most planners suggest pushing the savings bucket to 30% or more and squeezing wants rather than needs.
That is common in Mumbai, Bengaluru and Delhi NCR, where rent alone can be 30-40% of pay. Protect the savings percentage first, cut the wants bucket to fund it, and treat the needs overshoot as a signal to renegotiate rent or commute costs rather than a budgeting failure.
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