Your Money Map
Sample: Ananya, 32, product analyst in Bengaluru. ₹18 lakh a year, pays rent, one car loan, one child in school.
₹21,300 left every month
Salary in, rent, EMI, school fees, cover, SIP, spends, and what is left. The calculator in your head, on one page.
Lands in your bank each month₹1,29,600
Where it goes
- Rent₹30,000 23%
- Car loan EMI₹12,500 10%
- School fees₹6,000 5%
- Health cover, self and parents₹3,600 3%
- Life cover premium₹1,200 1%
- SIP₹15,000 12%
- Groceries, bills, help at home₹24,000 19%
- Eating out, trips, fun₹10,000 8%
- Fuel and cabs₹6,000 5%
- Left at month end₹21,300
Three checks
Saving each monthOn track28%
SIP plus what is left, out of take-home. Rule of thumb: 20% or more.
EMIsComfortable10%
Share of take-home that goes to loans. Rule of thumb: under 20% is easy, above 40% is a strain.
Emergency fundBuild up2.6 months
Savings in bank and FD against a month of needs. Rule of thumb: 6 months.