Shruti mayur's Post

Your total Equated Monthly Installment (EMI) obligations should not exceed 40% of your net monthly income. This is a general financial guideline to ensure you have enough money for daily expenses, savings, and emergencies after paying your debts. To find your maximum affordable EMI, follow these steps: 👉Determine your net monthly income. This is your take-home pay after all taxes and deductions. 👉Multiply your net income by 0.40. This calculates the 40% threshold. For example, if your net monthly income is ₹60,000, your maximum EMI should be around ₹24,000 (₹60,000 x 0.40). 👉Adjust for your financial situation. You can take a higher EMI, but it depends on your specific financial goals and responsibilities. 👉Aim for 30–40%: If you want more savings or have fluctuating monthly expenses, staying closer to the 30% mark is a safer choice. #emi #income #financetips #financialconsultant #financialliteracy #mashruwealthcreation #shruti #finplanwithshruti

• #shruti
• #financialliteracy
• #emi
• #financetips
• #mashruwealthcreation
• #financialconsultant
• #finplanwithshruti
• #income

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This post was published on 25th September, 2025 by Shruti mayur on her Instagram handle "@finplanwith_shruti (Shruti Purbiya)". Shruti mayur has total 60.9K followers on Instagram and has a total of 781 post.This post has received 32 Likes which are lower than the average likes that Shruti mayur gets. Shruti mayur receives an average engagement rate of 0.1% per post on Instagram. This post has received 0 comments which are lower than the average comments that Shruti mayur gets. Overall the engagement rate for this post was lower than the average for the profile. #shruti #financialliteracy #emi #financetips #mashruwealthcreation #financialconsultant #finplanwithshruti #income has been used frequently in this Post.