Finance
Monthly Budget Planner
A clean, no-spreadsheet way to plan your month. Choose the classic 50/30/20 split or build a custom one — see exactly how much goes to fixed expenses, lifestyle, and long-term wealth. The yearly savings figure is a powerful motivator.
Monthly plan
- Needs₹40,00050.0%
- Wants₹24,00030.0%
- Savings & investments₹16,00020.0%
Annual savings
₹1,92,000
Monthly fixed (needs)
₹40,000
Discretionary (wants)
₹24,000
Needs = rent, EMIs, groceries, utilities, insurance. Wants = eating out, subscriptions, hobbies, travel. Savings = SIPs, EPF top-ups, emergency fund.
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Frequently asked
- What goes into 'needs' vs 'wants'?
- Needs are non-negotiables: rent, EMIs, groceries, utilities, insurance, basic transport. Wants are anything you'd cut without changing your lifestyle radically — eating out, subscriptions, hobbies.
- Is 20% really enough to save?
- It's a starting point. As your income grows, push savings toward 30–40%. Lifestyle inflation is the #1 killer of long-term wealth.
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