Think you can’t budget on a low salary?
Think again.
Creating a monthly budget on a ₹30,000 salary isn’t about sacrificing everything — it’s about aligning your money with your goals.
Whether you’re single, newly married, or supporting a family — this guide will walk you through how to plan every rupee smartly.
💼 Step-by-Step: Budgeting on ₹30,000 Salary
✅ Step 1: Track Every Expense for 1 Month
Use free apps like Walnut, Money Manager, or Google Sheets to write down:
- Rent
- Food & groceries
- Transport
- EMI or debt
- Phone bills
- UPI expenses
- Impulse spends
📌 Tip: Tracking = control. Don’t judge, just record.
✅ Step 2: Follow a Basic Rule (50-30-20)
Here’s how ₹30,000 breaks down:
- 🟢 50% Needs: ₹15,000 (rent, food, bills)
- 🔵 30% Wants: ₹9,000 (shopping, dining out, Netflix)
- 🟡 20% Savings: ₹6,000 (SIP, RD, emergency fund)
Not realistic yet? That’s okay. Work towards this in 3 months.
✅ Step 3: Create Fixed Budget Buckets
Here’s a realistic split for a salaried individual in Tier 2/3 city:
| Category | Amount (₹) |
|---|---|
| Rent | 6,000 |
| Food & Grocery | 4,500 |
| Transport/Commute | 1,500 |
| Mobile/Wi-Fi | 700 |
| Health/Medicines | 800 |
| Shopping/Wants | 3,000 |
| Subscriptions | 600 |
| Savings (SIP/EMI) | 4,500 |
| Emergency Fund | 1,000 |
| Buffer | 400 |
✅ Step 4: Automate Bills + Savings
- Use Standing Instructions for SIPs
- Set calendar reminders for EMI/bill due dates
✅ Step 5: Review Monthly
End of month? Ask:
- Where did you overspend?
- What can you reduce without affecting quality of life?
📌 Tip: Don’t cut coffee. Cut unused subscriptions.
🎁 Bonus: Download Our Free Budget Planner
Offer a simple Google Sheet or PDF with:
- Editable income/expense fields
- 50-30-20 visual breakdown
- Summary graph
CTA: Download the RupeeSavers Monthly Planner – FREE
🧭 Final Thoughts
A budget isn’t punishment — it’s freedom.
Even with ₹30,000/month, you can:
- Save smartly
- Spend guilt-free
- Reach financial stability faster than most
You don’t need more money. You just need more clarity.
And that starts now.
