Many of us wonder where our salary goes soon after it arrives. Bills, treats with family and everyday expenses usually take away our hard-earned money before we notice. To come out of this loop, a simple habit—called the Two-Account Trick—can put you back in control and help your savings grow at the same time.
What is the Two-Account Trick?
You keep two separate bank accounts with two clear intentions:
- Spending account– Where your regular savings account is linked to your UPI apps to complete everyday expenses.
- Growth account– A second account meant only for saving and investing.
Why does it work?
Less chance to overspend
Money in your growth account stays out of sight. Since you can’t easily access it, you’ll spend what’s in your daily-use account without guilt or worry about saving.
Built-in discipline
An automatic transfer makes saving easier because you don’t have to rely on willpower. Even when you’re busy, your savings stay consistent.
Gets compounded
When you set money aside at the very start of the month, it earns interest for more days, so every rupee begins growing sooner.
Setting up in three easy steps
Choose your split
Start with 20 percent of your salary or any number that feels comfortable. You can always raise it after a pay hike.
Automate the transfer
Use a standing instruction so the money shifts within hours of payday. No manual clicks, no missed months.
Pick the right home for growth
Short-term goals (under three years): keep funds in safe, easily accessible savings options.
Long-term goals (five years or more): choose diversified growth investments to build wealth.
Along with your savings, consider a life insurance plan that builds its own value and protects your family. Over time, small yearly bonuses can pile up into a tax-free fund for goals like college fees or retirement. This quiet safety net lets your Growth Account stay on track, whatever life brings.
The Two-Account Trick turns saving from a promise into a habit. Spend freely from one pocket, watch wealth build in the other and secure it all with affordable life cover. Try this method for three months and see the difference in both your bank balance and your peace of mind.
