How Much Should You Save From Your Salary?

Updated September 2026. Figures are estimates; see how KITNA calculates.

Your savings rate is what's left each month divided by what you take home. It's the single most useful number for knowing whether you're making progress.

Common rules of thumb

A popular budgeting rule is 50/30/20: half of take-home for needs, 30% for wants, 20% for savings. Many planners also suggest keeping three to six months of expenses as an emergency fund before investing for longer goals. These are starting points, not rules.

What's possible at different salaries

Estimated savings rate, single, moderate lifestyle in Bangalore

General information, not personalised financial advice. City costs are placeholder estimates.

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