The 75/15/10 Rule: A Compass for Your Money

Published: October 20, 2025

Most people handle money with no real plan — salary comes in, bills get paid, something gets spent, and if there’s anything left, maybe a bit gets saved. But that mindset rarely leads to financial freedom. The 75/15/10 rule flips that logic on its head.

🔢 What Is the 75/15/10 Rule?

It’s a simple framework for dividing your after-tax income into three categories — always in the same order.

1️⃣ 15% to INVESTING — Your Future Engine

These are the most valuable dollars you’ll ever spend — on your future self. This 15% goes into assets that grow or generate income (stocks, ETFs, real estate). The key: let time and compound interest work for you.

2️⃣ 10% to SAVINGS — Your Financial Safety Net

This builds your emergency fund and covers planned goals. It belongs in safe, liquid places — savings accounts, term deposits, etc. Aim for 3–6 months of expenses saved.

3️⃣ 75% to LIVING — Your Lifestyle Budget

Rent, food, transport, entertainment, loans, clothes. 75% is a ceiling, not a target — if you can live on less, redirect the extra to investing and accelerate your path to financial independence.

💭 Why It Works

Instead of asking “How much will I have left at the end of the month?”, you ask “How can I live well on 75% so I can pay my future self first?” That shift in thinking changes everything.

📘 The Principle That Changes Lives

Many financial experts echo the same message: “Wealth isn’t about how much you earn — it’s about how you manage what you earn.”

🧭 Try it yourself: open the Income & Savings Planner in the Profiro app to see what your 75/15/10 split looks like. Get it on the App Store