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What’s the 50-30-20 Rule?
It’s a simple budgeting formula that divides your monthly income into three clear parts:
50% Needs – Rent, groceries, utilities, loan EMIs
30% Wants – Dining out, entertainment, shopping
20% Savings – Emergency fund, investments, debt repayment
That’s it. No spreadsheets. No stress.
Just clean, practical money management.
🧠 Why It Works (Even If You're Not a Finance Pro)
The 50-30-20 rule keeps your spending balanced and your savings steady, even if you’re not tracking every rupee.
Think of it like a “money compass” guiding you month after month—no matter how much you earn.
📊 Real-Life Example (₹50,000 Salary)
✅ ₹25,000 – Needs (rent, bills, EMIs)
🛍️ ₹15,000 – Wants (food delivery, OTT, outings)
💰 ₹10,000 – Savings (FDs, SIPs, emergency fund)
You’re not just spending—you’re building.
🤝 How Vizzve Makes It Even Easier
💼 Auto Budget Tracker
See your money split automatically into Needs, Wants, Savings right inside the app.
🎯 Savings Goals
Set and track your 20% savings using goal-based visual trackers.
🔔 Smart Alerts
Get nudges if your “wants” go overboard—or if you're saving less than 20%.
📈 Personalized Tips
Get smarter with custom suggestions to rebalance every month.
🧠 FAQs
Q1: What if I have variable income?
No worries. Use percentages, not fixed amounts.
Just recalculate monthly.
Q2: Is it okay to switch the percentages?
Yes—life isn’t one-size-fits-all.
But don’t skip the 20% savings, no matter what.
Q3: Can this work if I earn less than ₹30,000?
Absolutely. Even saving ₹500/month builds the habit, which is what matters most.
🏁 Final Word
“If budgeting overwhelms you, the 50-30-20 rule simplifies everything.”
Start with this method and grow from there.
Vizzve Finance helps you stay consistent, adjust smartly, and build a stronger financial future—starting this month.
Published on : 8th July
Published by : SMITA
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