The 50/30/20 Rule: How to Manage Your Salary Like a Pro

Introduction

Every month your salary arrives — and somehow disappears.
If that sounds familiar, the problem isn’t your income. It’s your plan.

At Money Talks with Vaibhav, India’s No.1 finance firm, we teach a salary management system that works for every income bracket: the 50/30/20 Rule.

What Is the 50/30/20 Rule?

It’s a simple, powerful framework for salary management:

• 50% → Needs (rent, groceries, bills)

• 30% → Wants (lifestyle, travel, dining)

• 20% → Savings & Investments

This method ensures balance between living today and building tomorrow.

Example:

If you earn ₹60,000/month:

• ₹30,000 → Essentials

• ₹18,000 → Lifestyle

• ₹12,000 → Wealth-building (SIPs, mutual funds, insurance)

You can use our free Budget Tracker (available on our Education Hub) to implement this instantly.

Why This Works So Well

• Brings awareness to spending

• Builds saving habits naturally

• Works for every income level

• Prevents lifestyle debt

Want to Go Deeper?

Our Smart Money Plan helps professionals build a clear, customized roadmap — so you know exactly where every rupee goes every month.

Because real freedom isn’t earning more — it’s managing better.

Final Thought

Start using this formula today.
In 30 days, you’ll feel more confident, more in control, and more aligned with your goals.

Money Talks with Vaibhav — helping India manage money smarter, one salary at a time.