It’s a simple personal budgeting rule:

• 50% on needs (rent, groceries, bills)
  
  
• 30% on wants (travel, dining, subscriptions)
  
  
• 20% towards savings/investments (FD, Mutual Funds, Gold)
  
  

While this is a good starting point, predefined rules may not always deliver the best results, especially in India, where financial situations are dynamic. It’s better to adapt these principles as per your income, lifestyle, and goals. Consulting a financial expert can help customise a plan for maximum benefit.