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Salary & Budget Plans

1 guides · updated 2026

Take-home pay is only useful once it has a plan. These guides split real Indian salaries into needs, wants and savings using the 50/30/20 rule, with the rupee amounts worked out for each income level so you can copy the numbers straight into your budget.

How to use these guides

Find the guide closest to your take-home pay rather than your CTC — the split only works on money that actually reaches your account. Read the needs figure first: if your rent alone exceeds it, the 50/30/20 shape will not hold and the rent is the thing to change, not the budget.

Treat the savings line as a standing instruction on payday, not a leftover at month end. Then check the daily safe-spend figure: it converts the whole plan into one number you can hold in your head.

To model a different salary, use the budget calculator.

All salary & budget plans guides

How to Budget Any Salary in India: the 50/30/20 Plan