Salary & 50/30/20 Budget Allocator
Transform monthly salary into an automated wealth engine.
Structure monthly take-home pay into needs (50%), lifestyle wants (30%), and high-compounding investments (20%+).
₹
₹25,000₹10,00,000
Post-tax monthly bank credit.
Yrs
20 Yrs65 Yrs
Rule of 100: Suggested equity allocation is approximately (100 - Current Age)%.
%
15%60%
The 50/30/20 guideline recommends investing at least 20% to 30% of take-home income.
Suggested Monthly Cash-Flow Buckets
Needs₹44,000Rent, Bills, EMIs
Wants₹26,000Lifestyle & Dining
Invest₹30,00030% Wealth SIP
SIP Distribution for ₹30,000/mo
Age 30: 70% Eq / 30% DebtLarge & Index Cap (32%)
₹9,450/mo
Flexi & Multi Cap (25%)
₹7,350/mo
Mid & Small Cap (14%)
₹4,200/mo
Gold / Debt / Arbitrage (30%)
₹9,000/mo
Recommended Monthly SIP
₹30,000/mo
Wealth Growth from 30% Salary Investment over 10 & 20 Years
Assuming a 12% compound CAGR across diverse monthly salary tiers.
| Monthly In-Hand | 30% Monthly SIP | Corpus in 10 Years | Corpus in 20 Years |
|---|---|---|---|
| Junior Professional | ₹50,000 | ₹15,000/mo | ₹34.8 Lakhs |
| Mid-Career Lead | ₹1,00,000 | ₹30,000/mo | ₹69.7 Lakhs |
| Senior Manager | ₹2,00,000 | ₹60,000/mo | ₹1.39 Crore |
| Executive / CXO | ₹3,50,000 | ₹1,05,000/mo | ₹2.44 Crore |
Frequently Asked Questions & Expert Guidance
Maintain 6 months of basic household needs and EMIs in liquid instruments (such as an ultra-short duration or liquid mutual fund paired with an instant redemption facility). Do not invest this reserve in volatile equity.