Monthly Budget Kaise Banayein? Simple 50-30-20 Method

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Monthly Budget Kaise Banayein? Simple 50-30-20 Method

By wealthchecker Team | Budgeting | 5 min read

"Pata nahi kahan jaata hai paisa" — yeh ek common complaint hai. Solution hai budget. Par budget boring nahi hona chahiye — chaliye ek simple method seekhte hain.

50-30-20 Rule Kya Hai?

Yeh ek simple budgeting formula hai:

  • 50% — Needs (Zaroori Kharche): Rent, khaana, bills, EMIs, transport
  • 30% — Wants (Khwaahishein): Restaurants, movies, shopping, subscriptions
  • 20% — Savings & Investment: Emergency fund, SIP, FD
IncomeNeeds (50%)Wants (30%)Savings (20%)
₹30,000₹15,000₹9,000₹6,000
₹50,000₹25,000₹15,000₹10,000
₹80,000₹40,000₹24,000₹16,000
Important: Salary aate hi pehle 20% savings mein daal do. Jo bachta hai usse kharcho — yahi "pay yourself first" ka matlab hai.

Step by Step Budget Kaise Banayein

Step 1: Take home salary note karo (tax aur PF katne ke baad).

Step 2: Fixed kharche list karo — rent, EMI, subscriptions.

Step 3: Variable kharche estimate karo — groceries, transport, entertainment.

Step 4: Savings ka goal set karo.

Step 5: Har week 10 minute ledger check karo.

Best Free Apps: Walnut, Money Manager, ya simple Google Sheets — jo bhi comfortable lage use karo. Best app woh hai jo tum actually use karo.
FinanceSavingsInvestmentHinglishIndiaMoney Tips

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