The 30:30:30:10 rule is a thumb-rule effective for both income and pension planning, offering a structure for how to financially manage your earnings and retirement corpus. To easily navigate budgeting, investment and your retirement phase this rule can serve as a guiding principle. Though traditionally income planners use this rule for navigating the retirement phase, the same rule can be adapted to show how you should divide your earnings to reach the retirement phase. Rules change depending on if you are doing income planning or pension planning. Let's delineate four parts in the 30:30:30:10 rule.