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Finance & accounting

Finance & accounting

Monthly Budget Planner

Enter your pay and what you spend. See where you are over or under, and how long an emergency fund will take.

Private by design

Your inputs stay on your device and are not sent to our servers. Optional usage analytics does not receive your files or tool inputs.

Preparing tool

How to use Monthly Budget Planner

Enter your monthly take-home pay and pick a rule.
Fill in what you spend in each category.
Check the comparison, the leftover and your emergency-fund target.

Read the detailed guide →

What are the limits of Monthly Budget Planner?

A simple guide, not financial advice: the 50/30/20 rule is a starting point and may not suit high rents or low incomes. Amounts are what you type. Your numbers stay on your device; the link in the address bar holds them only if you share it.

Monthly Budget Planner

50/30/20 split, spending check and emergency fund

Monthly take-home pay

₹

After tax and PF.

Budget rule

Needs

Rent or home EMI

₹

Groceries

₹

Electricity, water, phone, internet

₹

Transport and fuel

₹

Insurance premiums

₹

Other loan EMIs and card minimums

₹

Wants

Eating out and delivery

₹

Entertainment and hobbies

₹

Shopping

₹

Travel and trips

₹

Subscriptions

₹

Savings and debt payoff

SIPs and investments

₹

Savings and extra loan payments

₹

Emergency fund

Months of cover wanted

Already saved for emergencies

₹

You can add each month

₹

Left unplanned each month₹3,700₹56,300 planned of ₹60,000

Needs63% · ₹38,000target 50% · ₹30,000

Wants17% · ₹10,300target 30% · ₹18,000

Savings and debt payoff13% · ₹8,000target 20% · ₹12,000

Emergency fund target₹2.28 L2.6 months covered now · about 13 months to go

How your pay is planned

Needs₹38,00063%
Wants₹10,30017%
Savings and debt payoff₹8,00013%
Unplanned₹3,7006%

Your plan against the rule

Rule target
Your plan

Spending by category (13 rows)

Category	Group	Per month	% of pay
Rent or home EMI	Needs	₹18,000	30%
Groceries	Needs	₹7,000	12%
Electricity, water, phone, internet	Needs	₹3,000	5%
Transport and fuel	Needs	₹3,000	5%
Insurance premiums	Needs	₹2,000	3%
Other loan EMIs and card minimums	Needs	₹5,000	8%
Eating out and delivery	Wants	₹3,000	5%
Entertainment and hobbies	Wants	₹1,500	3%
Shopping	Wants	₹3,000	5%
Travel and trips	Wants	₹2,000	3%
Subscriptions	Wants	₹800	1%
SIPs and investments	Savings and debt payoff	₹6,000	10%
Savings and extra loan payments	Savings and debt payoff	₹2,000	3%

How it works

The 50/30/20 rule splits take-home pay into needs (50%), wants (30%) and savings or debt payoff (20%). It is a simple yardstick for checking whether your spending is balanced. An emergency fund is money set aside for job loss or big bills, usually 3 to 6 months of essential spending.

Needs are above the rule
Needs are 63% of pay against 50%. Rent and EMIs are hard to cut, so you may want a rule like 60/20/20 or 70/20/10.
Savings are below the rule
You save 13% against 20%. ₹4,000 more each month would match it.
Some pay is not planned
₹3,700 a month has no job yet. Giving it to savings or an emergency fund keeps it from disappearing.
Emergency cover is under 3 months
Many planners suggest 3 to 6 months of essential spending, more if your income is irregular.

Rule targets = pay × split: needs ₹30,000, wants ₹18,000, savings ₹12,000.
Your plan: needs ₹38,000, wants ₹10,300, savings ₹8,000.
Emergency fund = essential spending ₹38,000 × months = ₹2,28,000.

Count debt EMIs as needs, but extra loan payments as savings.
If the rule feels impossible, try 60/20/20 and move toward 50/30/20 as pay grows.
Keep the emergency fund in a savings account or liquid fund you can reach in a day.

Targets = take-home pay × the chosen split (the 50/30/20 rule popularised by Elizabeth Warren and Amelia Warren Tyagi). Emergency fund = months of cover × your monthly needs; months to goal = the shortfall ÷ what you add each month, rounded up. Interest earned on the fund is ignored.