Indian Personal Finance
Budgeting
Articles on budgeting, cash flow management, and building your safety net.
The 50-30-20 Budgeting Rule for India in 2026
Posted on February 10, 2026 in Budgeting
The classic budgeting rule allocating 50% of income to Needs, 30% to Wants, and 20% to Savings remains a foundational starting point but requires adjustment for the 2026 cost of living in India. With housing costs in metros surging, this framework needs a fresh look.
Building Your Emergency Fund in 2026
Posted on February 5, 2026 in Budgeting
The conventional wisdom of maintaining 3-6 months of expenses in an emergency fund is being challenged by the extended duration of job searches in 2026 and the steep cost of medical emergencies. Financial planners now recommend a tiered approach.