How much of my income should I invest if I’m in my 30s and have kids?
Published 18 September 2026
How do you think about it Bedant?
If you’re around 30–35 and have one or two kids, 15% to 25% of your income being invested can be a good number.
If it is below 15%, revisit your expenses. Sometimes, when you revisit your expenses, you may realise that the biggest problem is the EMI, where you may not be able to take any immediate action.
The important thing is that this percentage should keep increasing with age. By the time the kids become independent, education goals are done and EMIs are over, savings can move towards 45%–50%.
“At the age of 35 your savings should be at least around 15%. And by the time you reach 55, you should be able to save around 50%.”
This question and answer is derived from the podcast between Bedant and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.
If it is below 15%, revisit your expenses. Sometimes, when you revisit your expenses, you may realise that the biggest problem is the EMI, where you may not be able to take any immediate action.
The important thing is that this percentage should keep increasing with age. By the time the kids become independent, education goals are done and EMIs are over, savings can move towards 45%–50%.
“At the age of 35 your savings should be at least around 15%. And by the time you reach 55, you should be able to save around 50%.”
This question and answer is derived from the podcast between Bedant and Sachin. See the full podcast here.
This is not personalized investment advice. Your financial situation, goals and constraints may be different, so assess your own situation and discuss it with your financial advisor.