First salary, India
Your first salary has an order.
See what leaves the account. Keep a buffer. Then start a SIP. Written before anyone sells you a plan.
- 01
Take-home
CTC is not the amount that hits the bank. Start from the payslip.
- 02
A cash buffer
A few months of essentials, in an account you do not spend from.
- 03
A small SIP
Only after the buffer has started. An amount you can keep in a tight month.
- 04
Protection
Term cover when someone depends on the income. Health cover is a different product.
Start here
All articlesFirst salaryThe first 30 days of your salaryWhat to do after the first salary in India lands. Start with take-home and the payslip, not with a new investing app.7 minBudgetingThe 50/30/20 budget when rent takes half your salaryHow to use the 50/30/20 split on a first salary in an Indian city when rent already breaks the needs bucket.6 minBudgetingBuild a small emergency fund before your first SIPWhy the first investing decision on a salary in India is cash you can reach, and how many months to aim for.6 minInvestingA SIP, explained without the jargonWhat a systematic investment plan is, what it is not, and how to think about the amount on a first salary.7 min
Calculators
The math runs in your browser. Nothing is sent unless you leave an email.
50/30/20 budgetSplit take-home into needs, wants, and savings, then see what rent does to the plan.Emergency fundTurn a month of essentials into a target, and see how long the gap takes to close.SIP calculatorProject a monthly investment, with an optional annual step-up. Pre-tax.Compound interestSee a lump sum grow, with or without a monthly addition.EMI calculatorMonthly payment, total interest, and the balance left each year.Term cover estimatorA cover amount from your income, plus a planning range. Not an insurer quote.
Before you buy
Guides for the decision. Fees get added only after they are checked.