50/30/20 Budget Calculator — Salary Kaise Baantein
Salary aati hai aur kahan jaati hai pata hi nahi chalta — ye sabse aam shikayat hai. 50/30/20 ek saada niyam hai jo isi ka hal deta hai. Neeche apni in-hand salary daaliye.
Teen hisse — kya kis me aata hai
₹40,000 salary par: ₹20,000 zaroorat, ₹12,000 shaunk, ₹8,000 bachat.
50% — Zaroorat (jiske bina nahi chal sakta):
Kiraya ya home loan EMI · ration aur sabzi · bijli, paani, gas · aane-jaane ka kharcha · bacche ki school fees · dawa aur ilaaj · mobile aur internet (basic) · bima ka premium
30% — Shaunk (achha lagta hai par ruk sakta hai):
Bahar khaana · OTT aur subscription · ghoomna · naye kapde · gadget · tyohaar aur shaadi ka kharcha · ghar ka saman jo abhi zaroori nahi
20% — Bachat aur karza:
SIP, PPF, FD, RD · emergency fund · EPF ka aapka hissa · loan ka extra prepayment (normal EMI zaroorat me aati hai)
Ye bantwara in-hand salary par lagta hai, CTC par nahi.
Bharatiya gharon me ye kitna chalta hai
Imaandaari se — ye niyam America me bana tha, aur yahan har jagah waise ka waisa nahi baithta. Kuch sthitiyan:
- Bade sheher me kiraya hi 40-50% le leta hai. Wahan 50% ka hissa akela kiraya kha jaata hai.
- Ek kamane wala, poora parivaar — maa-baap, bacche, ghar. Wahan zaroorat 60-65% tak jaati hai.
- Kam aay me ye niyam lagbhag namumkin hai. ₹15,000 me 50% matlab ₹7,500 — usme ration aur kiraya bhi mushkil hai.
- Achhi aay me ulta hota hai. ₹2 lakh kamane wale ki zaroorat 50% nahi hoti — wahan 30% zaroorat aur 40% bachat mumkin hai.
Kaam karne wala tarika — teen khaate
Sirf hisaab likhne se kuch nahi hota. Jo sach me kaam karta hai wo ye hai — paisa alag-alag jagah rakh dijiye, taaki mila hi na sake:
- Salary aate hi 20% bachat wale khaate ya SIP me auto-transfer. Ye pehle, sab se pehle. Bache hue paise me mahina chalaiye.
- Zaroorat ke saare bill auto-pay par — kiraya, EMI, bijli, fees. Ye apne aap kat jaate hain.
- Shaunk ka paisa alag — ek alag khaata ya wallet. Wo khatam matlab us mahine ke liye khatam.
Jab hisaab nahi baith raha
Agar zaroorat 50% se bahut upar hai:
- Sabse bade teen kharche dekhiye — aksar kiraya, EMI aur aana-jaana. Chhoti cheezon me kanjoosi se 500 bachte hain; ek in teeno me se ek badalne se 5,000.
- EMI ka bojh naapiye — DTI Calculator me. 40% se upar ho to sabse mehnga loan pehle khatam kariye.
- Aay badhane ka rasta bhi dekhiye — kharch kaatne ki seema hai, kamai badhane ki nahi.
Agar bachat 20% mumkin hi nahi:
- 10% se shuru kariye. Ya ₹500 se. Rakam se zyada zaroori aadat hai.
- Har hike ka aadha hissa seedha bachat me daaliye — takleef mehsoos nahi hogi.
- Ek EMI khatam ho to wo rakam bachat me daal dijiye, kharche me nahi. Aap us paise ke bina pehle se hi jee rahe hain.
Apni bachat ka percentage Savings Rate Calculator me aur poora niyam 50/30/20 Guide me dekhiye.
Aksar pooche jaane wale sawaal
50/30/20 kis salary par lagta hai?
In-hand salary par, CTC par nahi. Jo paisa haath me aata hai usi ka bantwara hota hai.
Loan ki EMI kis hisse me aati hai?
Normal EMI zaroorat (50%) me aati hai. Extra prepayment bachat wale 20% me gina jaata hai, kyunki usse aapka net worth badhta hai.
Mere ghar me zaroorat 50% se zyada hai, kya karun?
Ye Bharat me aam hai. Ise dishaa maaniye, kanoon nahi. Zaroori ye hai ki bachat ka hissa pehle nikle — chahe wo 20% ki jagah 10% ho.
Bachat 20% mumkin nahi to?
10% ya 500 se shuru kariye. Rakam se zyada aadat mayne rakhti hai. Aur har hike ka aadha hissa seedha bachat me daaliye — takleef nahi hogi.