Money Lab
Split your income between essentials, lifestyle, and saving;see where it leads.
Essential: rent, groceries, EMIs, insurance, utilities.
Lifestyle: dining out, entertainment, shopping, subscriptions, travel.
Try moving Lifestyle down by 10% instead of Income up by ₹20,000. Which one grows your savings more?
This Lab shows where your monthly income goes and what is left to save. You choose your income and what share goes to essentials and to lifestyle, and the savings are whatever remains. The Lab then shows what that monthly saving could become in 10 years if it were invested at 8 percent a year.
How to use this Lab
- Set your monthly income, from ₹20,000 to ₹5,00,000.
- Set the share going to essential spending: rent, groceries, EMIs, insurance and utilities.
- Set the share going to lifestyle spending: dining out, entertainment, shopping, subscriptions and travel.
- There is no savings slider. Savings are what is left after the other two, so the only way to change them is to change spending or income.
- Read the card for your monthly saving, and the card for what it could become in 10 years.
What to notice
- Savings are what spending leaves behind
- Because savings are the remainder, a small change in one of the other two shows up straight away in the bar. Move Lifestyle by 5 points and watch the savings share move with it.
- Over budget is possible
- If essentials plus lifestyle go above 100 percent of income, the Lab tells you how far over you are, instead of showing negative savings. That is a real situation, and it is worth seeing plainly.
- The sliders are percentages
- Because spending is set as a share of income, raising your income in the Lab raises your spending in rupees too. In real life, whether extra income reaches your savings depends on whether your spending rises with it.
Four runs of the Lab (hypothetical, 8 percent for 10 years)
With ₹50,000 income, 40 percent on essentials and 20 percent on lifestyle, you save ₹20,000 a month. Invested at 8 percent for 10 years, that becomes about ₹36,58,921.
Cut lifestyle from 20 to 10 percent: you save ₹25,000 a month, which becomes about ₹45,73,651.
Raise essentials to 50 percent with lifestyle at 20 percent: you save ₹15,000 a month, which becomes about ₹27,44,191.
Raise income to ₹70,000 with the same percentages: you save ₹28,000 a month, which becomes about ₹51,22,489. Here the percentages scale with income, so your spending in rupees rises as well.
What this Lab does not show
- The 8 percent growth is fixed in this Lab and is an illustration. No real investment grows at a steady rate, and returns can be lower or negative.
- It does not include tax, inflation, an emergency fund, or one-off costs. Real months are less tidy than a percentage split.
- The split between essential and lifestyle is yours to define. The Lab gives examples, not rules, and recommends no particular split.
- It does not recommend any product or amount. Maetis does not give investment advice.
Common questions
- Is this a budget calculator?
- Yes, a simple one. It splits income into essentials, lifestyle and savings, and shows what the monthly saving could become over 10 years.
- What should I count as essential spending?
- Things you could not easily go without, such as rent, groceries, EMIs, insurance and utilities. The line between essential and lifestyle is personal.
- Why is there no savings slider?
- Because saving is what is left after spending. The Lab makes that visible by leaving savings as the remainder.
- Does the 10-year figure promise a return?
- No. It assumes a steady 8 percent a year to show the effect of saving regularly. Real returns vary and can be negative.