Budget Planner
Track income, expenses, and savings goals to achieve financial success.
Income
Expenses
Total Income
₹0
Total Expenses
₹0
Net Savings
₹0
Expense Distribution
Monthly Trend
Last 6 months from saved budget data
Saved months
Click a row to edit that month. Data is stored in your browser.
| Month | Income | Expenses | Net savings |
|---|---|---|---|
| No months saved yet — pick a month above and add income or expenses. | |||
About Budget Planner
Our Budget Planner tool helps you take control of your finances by providing a comprehensive platform to track your income, expenses, and savings goals. With intuitive features and visual analytics, you can make informed financial decisions and achieve your financial objectives.
Expense Tracking
Monitor your spending patterns and identify areas for improvement.
Trend Analysis
Track your financial progress over time with visual charts.
Savings Goals
Set and track your savings objectives with ease.
Mobile Friendly
Access your budget anytime, anywhere on any device.
How to Use
Enter Your Income
Start by entering your monthly income and any additional sources of income to set up your budget baseline.
Add Expenses
Input your expenses by category to track where your money is going and identify spending patterns.
View Analysis
Check the summary cards and charts to understand your financial situation and make informed decisions.
Track Progress
Monitor your monthly trends and adjust your budget accordingly to achieve your financial goals.
Budgeting in India: The 50-30-20 Rule (Adapted)
The classic 50-30-20 split — needs, wants, savings — works well for Indian households when you adjust categories for local realities. Rent in tier-1 cities often consumes 25–35% of take-home pay, so many Mumbai or Delhi renters use a 40-30-30 variant instead.
Worked example — Pune, ₹85,000 take-home:
- Needs (~₹42,500): Rent ₹18,000, groceries ₹8,000, utilities + broadband ₹3,500, school fees ₹7,000, health insurance premium (monthly share) ₹2,500, commute ₹3,500.
- Wants (~₹25,500): Dining out, OTT, festivals/travel sinking fund, clothing.
- Savings & debt (~₹17,000): SIP ₹8,000, EPF/VPF top-up ₹4,000, emergency fund ₹3,000, occasional prepayment of personal loan ₹2,000.
Track UPI spends under "wants" unless they are true necessities — Swiggy and Amazon often hide budget leaks. Use the month picker above to log past months; the trend chart fills in as you save income and expenses across months (stored locally in your browser). Export to CSV monthly and reconcile against your bank statement; most Indian banks now offer category-wise spend summaries in their apps.
Written by our Tools Editor. Pair with Expense Splitter for shared flat costs and Emergency Fund Calculator before aggressive investing.