Split after-tax income into needs, wants, and savings — with a visual breakdown and optional line-item tracking.
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Quick answers to common questions
It suggests putting about 50% of after-tax income toward needs, 30% toward wants, and 20% toward savings and extra debt payments. It is a guideline you can adjust to your situation.
Needs are essentials like housing, utilities, groceries, insurance, and minimum debt payments. Wants are lifestyle spending such as dining out, entertainment, and most subscriptions.
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Needs 50% — essentials
Wants 30% — lifestyle
Savings & debt payoff 20%
Needs (50%)
₹50,000
Rent, utilities, groceries, insurance, minimum debt payments
Wants (30%)
₹30,000
Dining, entertainment, subscriptions, shopping, hobbies
Savings & debt (20%)
₹20,000
Emergency fund, investments, extra debt payments