Can You Manage on ₹25,000 Salary? Yes, Here's How.
Managing your monthly salary can be tough, especially if you earn ₹25,000 or less. Between rent, groceries, bills, and family needs — savings often seem impossible. But with the right plan, you can save and still live comfortably.
In this guide by Budget Plann, we’ll show you how to create a smart, practical budget for ₹25,000 per month.
🔹 Step 1: Understand Your Net Income
Your salary might be ₹25,000, but do you receive that full amount after deductions?
- Gross Salary: ₹25,000
- PF Deduction: ₹1,000
- Net Salary: ₹24,000
Always budget based on your in-hand amount.
🔹 Step 2: Use the 50:30:20 Rule (India Version)
Let’s divide ₹24,000 like this:
✅ 50% for Needs (₹12,000)
- Rent: ₹5,000
- Groceries: ₹3,000
- Bills: ₹1,500
- Phone + Internet: ₹500
- Transport: ₹2,000
✅ 30% for Wants (₹7,200)
- Eating Out: ₹1,500
- Shopping: ₹2,000
- Entertainment: ₹1,000
- Others: ₹2,700
✅ 20% for Savings (₹4,800)
- Emergency Fund: ₹2,000
- SIP or RD: ₹2,000
- Short-Term Goals: ₹800
💡 Tip: Even ₹500/month savings is better than none.
🔹 Step 3: Track Every Rupee
Use free apps to track expenses:
- Walnut
- Money Manager
- Monefy
- Google Sheets
🔹 Step 4: Avoid These Common Mistakes
- ❌ Spending first, saving later
- ❌ No emergency fund
- ❌ Using credit cards without paying full amount
- ❌ Ignoring small daily expenses
🔹 Step 5: Stick With It for 3 Months
Budgeting becomes easier with time. Review and adjust monthly based on changes in income or needs.
🎁 Bonus: Free Excel Budget Sheet (Coming Soon!)
We’ll soon share a downloadable planner for ₹20K–₹50K salary ranges.
📝 Final Thoughts
Budgeting isn’t about restrictions — it’s about control. With the right mindset, even ₹25,000/month is enough to save, plan, and live better.
Start your budget today. Every rupee matters!
📢 Like this post? Leave a comment and share your own monthly budget ideas below!