50/30/20 Budgeting Rule

Introduction: Yeh 50/30/20 Rule Hai Kya?

Bhai, agar tere paas har mahina khatam hone par yehi sawaal hai "Paisa kahan gaya?", toh ye article tere liye hai. 50/30/20 budgeting rule US se aaya hai, lekin India mein bilkul kaam karta hai - bas thoda desi tadka lagana padta hai.

Rule simple hai: Har mahine jo paisa haath mein aaye (tax katne ke baad), usko teen dabbe mein daal do:

• 50% Needs (Jaroorat): Bin inke zinda nahi rahenge

• 30% Wants (Chahat): Inke bina zindagi boring hai

• 20% Savings (Bachat): Future ke liye backup

Chalo dekhte hain kaise karein ye India ke hisaab se...

Step 1: Apna Real Income Calculate Kar

Sabse pehla kaam - post-tax income nikalna.

Example:

• Monthly CTC: ₹60,000

• PF cut: ₹2,400

• Professional Tax: ₹200

• TDS: ₹2,000

• Actual haath mein aaya: ~₹55,400

Important: Freelancers ke liye, average monthly income lo (pichhle 6 mahine ka). Aur haan, agar parents se pocket money milta hai, usko bhi add kar!

Step 2: 50% Needs - "Bin Inke Ghar Nahi Chalta"

₹55,400 ka 50% = ₹27,700

Kya Include Karein:

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Total: ₹27,500 (Approximately!)

India-Specific Twist:

• Maid/Cook: ₹2,000-3,000 (ye bhi need hai bhai)

• Parents ko bhejna: Agar ₹5,000 bhejte ho, toh ye needs mein hi aayega

• Festival Fund: Diwali, Durga Puja mein extra kharcha - iske liye alag se ₹500/mahina needs se cut karke rakh lo

Step 3: 30% Wants - "Zindagi Mein Maza Bhi Chahiye"

₹55,400 ka 30% = ₹16,620

Yahan Paisa Udayein:

• Weekend parties/restaurants: ₹4,000

• Zomato/Swiggy: ₹2,500 (admit karo, ho jaata hai!)

• Shopping (clothes, gadgets): ₹5,000

• Netflix, Prime, Spotify: ₹800

• Gym/Yoga membership: ₹1,500

• Random Amazon sale: ₹2,820

Pro Tip: Shaadiyon ke season mein yeh budget 40% tak badh jaata hai. Isliye:

• March-May (shaadi season)

• November-December (festive + weddings)

In months ke liye pehle se ₹3,000-4,000 alag se savings karo.

Step 4: 20% Savings - "Future Ka Boss Banne Ke Liye"

₹55,400 ka 20% = ₹11,080

Pay Yourself First - Sabse Pehle Yeh Katwa Lo

Automate karde bhai! Salary aate hi auto-debit on kar:

1. Emergency Fund (₹3,500): Kotak/Axis savings mein separate account

2. Mutual Fund SIP (₹4,000):

   • Nifty Index Fund: ₹2,000

   • Mid-cap Fund: ₹2,000

3. PPF/ELSS for Tax Saving (₹2,500): 80C ka fayda

4. Gold (SGB) (₹1,080): Digital gold ya Sovereign Gold Bond

Important: Agar credit card ka bill pending hai, toh savings se pehle usko clear karo. 36% interest wala loan koi sane insan nahi leta.

India Ke Liye Modified Rules

1. Low Income Wale (<₹25,000/month)

Rule: 70/20/10

• Needs: 70% (Rent aur basic hi itna kharcha hai)

• Savings: 20% (Forcefully karna hai)

• Wants: 10% (Bas zinda rahne ke liye)

Example:

• Take-home: ₹20,000

• Needs: ₹14,000 (PG rent ₹8K, food ₹4K, baaki ₹2K)

• Savings: ₹4,000 (₹1K emergency, ₹3K RD)

• Wants: ₹2,000 (Bas weekend pe chai-samosa)

2. Middle Income (₹25,000 - ₹80,000)

Rule: 50/30/20 (Original rule works!)

3. High Income (₹1Lakh+)

Rule: 40/30/30

• Needs: 40% (Fixed costs same rehte hain)

• Wants: 30% (Lifestyle upgrade)

• Savings: 30% (Ab ameer banne ka time hai)

Real Life Case Studies

Case 1: Priya, 26, Banglore (IT Employee)

• Income: ₹80,000/month

• Needs (₹40,000): Rent ₹20K, Cook ₹3K, Bills ₹5K, Transport ₹4K, Parents ₹5K, Insurance ₹3K

• Wants (₹24,000): Weekends ₹6K, Shopping ₹10K, Subscriptions ₹1K, Gym ₹3K, Misc ₹4K

• Savings (₹16,000): Emergency ₹5K, SIP ₹8K, Gold ₹3K

Challenge: Banglore mein rent zyada hai, toh wants se ₹4K cut kiya temporarily.

Case 2: Rajesh, 35, Jaipur (Teacher)

• Income: ₹35,000/month

• Needs (₹17,500): Rent ₹8K, School fees ₹5K, Bills ₹2K, Transport ₹2K, Insurance ₹500

• Wants (₹10,500): Family outings ₹3K, Kids toys ₹2K, Cable ₹500, Baaki ₹5K

• Savings (₹7,000): RD ₹3K, PPF ₹2K, Emergency ₹2K

Hack: Wife bhi part-time tutor hai (₹10K extra), usko pure savings mein daal dete hain.

Common Mistakes Jo Indians Karte Hain (Avoid Karo!)

1. Savings Ko Last Mein Sochna - Bhai, salary aate hi savings kat. Nahi toh end mein kuch nahi bachta.

2. Festival Shopping Ka Budget Nahi Banana - Diwali mein ₹20,000 ek mahine mein ud jaate hain. Har mahina ₹1,500 alag se rakho.

3. Medical Emergency Ko Ignore Karna - Health insurance nahi hai? Pehle ₹5,000 ka term plan aur ₹10K ka health insurance lo.

4. Relatives Se Loan Dena - Agar de rahe ho, toh wants se kaat lo. Savings se nahi.

5. "Shaadi Ke Baad Dekhenge" Attitude - Bhai, compound interest 25 se 35 ki umar mein sabse zyada kaam aata hai. Late mat kar.

6. Credit Card Ko Free Money Samajhna - 36% interest = wants ka budget barbaad.

Best Desi Tools for 50/30/20 Rule

Free Apps:

1. Walnut: Automatic UPI transaction track karta hai

2. ET Money: SIP setup aur budget dono kar sakte ho

3. Money Manager: Simple, ads kam

4. Bharat BillPay: Sare bills ek jagah, needs track karna easy

Excel/Google Sheets:

Sabse best yaad rakhne wala. Template banao:

TableCopy

Banking Hacks:

• Kotak 811: Auto-sweep FD for emergency fund

• ICICI: iWish goals for wants (vacation, phone)

• HDFC: SIP ka auto-debit salary date ke next day

Expert Tips from Indian Finance Gurus

CA Rishabh Jain (Mumbai) ka kehna hai:

"India mein rule ko thoda flexible rakhna padta hai. July mein tax filing, October mein festivals, March mein school fees - in months mein needs 55% tak ja sakta hai. Lekin savings ko 15% se neeche nahi aane dena."

YouTuber Ankur Warikoo ka funda:

"Har 6 mahine mein wants aur needs ka review karo. Salary badhi? Savings mein 5% add karo, wants mein nahi."

FAQs - India Specific

Q1: Mere rent hi 50% kharcha kar deta hai, ab kya karu?

Ans: Metro mein rehte ho? Rule ko 60/25/15 banao temporarily. Ya roommate dhundo. Ya fir income badhao (side hustle).

Q2: EMI bhi chal raha hai, usko kahan daalu?

Ans: EMI = Needs. Lekin agar bike EMI hai toh socho - sach mein need hai ya want?

Q3: Freelancer hu, irregular income hai?

Ans: Average income leke budget banao. Acha mahina? Extra ka 50% savings mein daalo.*

** Q4: Parents ko monthly ₹10,000 bhejta hu? **

• Ans: Ye zaroorat hai. Needs mein daalo. Lekin agar parents ka apna pension hai aur tum sirf "gift" bhejte ho, toh wants mein daal sakte ho.*

** Q5: Mutual fund mein paise dub gaye, ab kya? **

Ans: SIP continue rakho. Market down hai toh aur units milegi. 5+ saal ka plan hai toh tension nahi.

Conclusion: Rule Follow Karo, Lekin Zombie Nahi Bano

50/30/20 rule guideline hai, military law nahi. India mein life unpredictable hai:

• Cousin ki shaadi = ₹5,000 extra

• Mom ka operation = ₹50,000 medical bill

• Festival bonus = ₹20,000 extra income

Golden Rule: 20% savings kabhi compromise nahi karna. Baaki sab jhak maar ke adjust ho jaayega.

Abhi action le:

1. Aaj hi apne last 3 months ka kharcha calculate karo

2. Konsa category zyada kharch hai, dekho

3. Next salary se rule apply karo, thoda-thoda

** Yaad rakho**: Paise se paise banwana seekho, par kharch karke khush rehna bhi zaroori hai. Balance is key!

Disclaimer: Ye article educational purpose ke liye hai. Apne financial advisor se consult karein before investment.

Kya aapka budget already follow karte ho? Comments mein apna experience share karo!