A simple salary split
- Bills & needs — rent, utilities, groceries, commute
- EMI / obligations
- Emergency fund contribution
- Investments (SIP etc.)
- Lifestyle / fun
Automate savings and investments on payday. Spend what’s left consciously.
Payday checklist for salaried professionals
- Pay yourself (savings + SIP) first
- Clear rent/EMI/utilities
- Fund groceries and commute
- Allocate lifestyle spends
- Review last month’s ExMan summary
Pair this with the Salary Budget Calculator India guide and budget calculator.
Frequently asked questions
What percent of salary should go to investments?
After emergency basics, many aim for 15–20%+ of take-home toward investments over time.
Educational content only. Not personalized financial, tax, or investment advice. Rules and rates can change — verify with official sources or a qualified advisor.
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