Budget Rule Comparator
Compare the 50/30/20, 70/20/10, and zero-based budgeting rules side-by-side.
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₹10,000₹20,00,000
Your custom (zero-based) split
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On ₹1,00,000/month, the 50/30/20 rule sets aside ₹20,000 for savings, while 70/20/10 sets aside ₹20,000.
Budget rule comparison
| Rule | Category 1 | Category 2 | Category 3 |
|---|---|---|---|
| 50/30/20 | Needs: ₹50,000 | Wants: ₹30,000 | Savings: ₹20,000 |
| 70/20/10 | Expenses: ₹70,000 | Savings: ₹20,000 | Debt/giving: ₹10,000 |
| Your custom (100%) | Needs: ₹50,000 | Wants: ₹30,000 | Savings: ₹20,000 |
How this calculator works
Comparing budgeting rules side by side helps you pick the framework that best matches your priorities — whether that's balance (50/30/20), aggressive savings (70/20/10), or a fully custom, zero-based split tailored to your own numbers.
Worked example: on a ₹1,00,000 monthly income, 50/30/20 sets aside ₹20,000 for savings, while 70/20/10 also sets aside ₹20,000 for savings but allocates ₹70,000 to living expenses and ₹10,000 to debt payoff or giving instead of wants.
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