Guides
Reading the savings rules frameworks: gross share vs net share
Gross-share vs net-share savings frameworks — which to use when automating transfers on payday.
Savings rules answer: “How much leaves my account on salary day?” Two common frameworks are gross-share (for example, save 20% of CTC) and net-share (for example, save 30% of take-home). They produce very different rupee amounts when PF and tax are large.
FinCoHolic’s Savings Rules view compares frameworks side by side so you can align with how your employer, spouse, or financial planner talks about saving. Automate the chosen amount via standing instructions on payday to reduce willpower battles.
If gross-share savings leaves too little to live on, the rule is too aggressive — adjust the percentage or switch to net-share. If net-share savings are tiny, fix income or expenses in the Salary and Budget tools before forcing investments.
Rules are habits; they are not substitutes for emergency funds or goal-specific pots.
FinCoHolic’s Savings Rules view compares frameworks side by side so you can align with how your employer, spouse, or financial planner talks about saving. Automate the chosen amount via standing instructions on payday to reduce willpower battles.
If gross-share savings leaves too little to live on, the rule is too aggressive — adjust the percentage or switch to net-share. If net-share savings are tiny, fix income or expenses in the Salary and Budget tools before forcing investments.
Rules are habits; they are not substitutes for emergency funds or goal-specific pots.
Apply this guide
Savings rules →