Budget Calculator (50/30/20)

Split your income into needs, wants and savings.

Want a personalised plan built on these numbers?

Our team can turn this into a plan for your family — goals, investments and protection together.

Get your detailed report

Optional. A PDF with your inputs, results, scenarios and suggested next steps — and a call from our team to walk you through it.

About this calculator

A simple budget makes saving automatic. Split your take-home pay and see what the savings share could become.

How is this calculated?

Needs, wants and savings are the chosen shares of take-home pay. The growth figure assumes the savings are invested monthly for 15 years at 12% a year.

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.