The 65-20-15 Rule That’ll Finally Make Your Money Work for You

You don’t need a finance degree to stop living paycheck to paycheck. You just need one simple ratio: 65-20-15.

Every month it’s the same story, salary in, bills out, and somehow your balance hits zero before you even realize where it all went.

You tell yourself you’ll start budgeting next month, but the cycle repeats.

What if you could make your money feel controlled instead of chaotic with zero spreadsheets and zero stress?

Here’s how it works:

65% : Needs and Living Expenses

Rent, groceries, bills, transportation. The essentials.

If you spend more than this, you’re likely stretching your lifestyle too far. It’s your financial comfort zone.

20% : Financial Goals

This is your “future” bucket: savings, investments, debt repayment.

It’s the part that quietly builds your freedom, your ability to say no to a job you hate, or yes to a trip you’ve always wanted.

15% : Wants and Lifestyle

Dining out, shopping, streaming, weekend plans.

You don’t need to give up what you love, you just need to cap it. That’s how you enjoy life without guilt.

Let’s say you earn ₹70,000 a month after tax:

• ₹45,500 goes to living costs

• ₹14,000 goes toward savings or paying off debt

• ₹10,500 is yours to spend however you want

Suddenly, you’re in control, not by cutting everything, but by designing your spending around your values.

Start small.

Set up automatic transfers the day your paycheck hits: 65%, 20%, 15% into separate accounts.

You’ll instantly see where your money goes, and more importantly, where it stays.

In a few months, you won’t just feel “organized.” You’ll feel secure.

Start applying the 65-20-15 rule this month and watch your bank balance and your peace of mind, grow together.