Ratio calculator
Investment to Gross Pay Calculator
How much of your salary are you actually putting to work? This calculator shows your monthly investment as a share of your gross pay — one of the clearest signals of whether you are building wealth or just earning it.
- Monthly investing
- ₹20,000
- Rest of pay
- ₹80,000
- Gross monthly pay
- ₹1,00,000
Healthy — you are at or above the 20% guideline. Keep raising it as you earn more.
For illustration only. The guideline bands are general and depend on your expenses and stage of life; this is not financial advice.
How this ratio works
Your investment-to-pay ratio is simply what you invest as a percentage of what you earn:
investment to pay = monthly investment ÷ gross pay × 100
Count only money that builds assets — SIPs, deposits, retirement contributions, stocks — not loan EMIs, which are repayments rather than investments.
What to aim for
A widely-cited target is at least 20% of income, and pushing towards 30–40% reaches goals far sooner. The exact figure depends on your expenses, but the habit — a steady, rising share invested before you spend — is what compounds into freedom.
A worked example
Investing ₹20,000 out of a ₹1,00,000 gross salary is a 20% ratio — right on the healthy guideline. Automating an extra ₹5,000 lifts it to 25% without you having to think about it. MoneyGrad is built to make that steady, automatic habit the easy default.
Frequently asked questions
- What is the investment to gross pay ratio?
- It is the share of your income you invest each month: monthly investment ÷ gross monthly pay × 100. Investing ₹20,000 out of a ₹1,00,000 salary is a 20% ratio. It is one of the clearest single signals of whether you are building wealth or just earning it.
- How much of my salary should I invest?
- A widely-cited target is at least 20% of income, rising as you earn more. Early savers who can push towards 30–40% reach their goals far sooner. The right figure depends on your expenses and stage of life, but the direction — steadily upward — matters more than any single number.
- Does this include EMIs or only investments?
- Only money you actually invest — SIPs, deposits, retirement contributions, stocks. Loan EMIs are repayments, not investments (though clearing high-interest debt is itself a great use of money). Enter only what goes towards building assets.
- Gross or take-home pay?
- This ratio uses gross pay so it is comparable across people and over time. Because tax and deductions reduce what actually reaches you, your investment as a share of take-home will look a little higher — both views are useful.
- Is this financial advice?
- No. It is a simple ratio from the numbers you enter, meant to make your savings rate visible. The right target depends on your situation, so treat the guideline as motivation, not a rule.