Monthly Budget Planner (50/30/20)

Plan your monthly budget, see where your salary goes, and compare with the 50/30/20 rule — saved privately on your device.

Last updated:

Left over each month—

Budget planner

Salary credited on the 1st, gone by the 20th? A simple monthly budget shows where it goes. Enter your take-home income and what you spend in each category — rent, groceries, bills, EMIs, eating out, shopping and savings — and this budget planner shows what's left, how your spending splits into needs, wants and savings, and how that compares with the popular 50/30/20 rule. Everything stays on your device.

How to use it

  1. Enter your monthly take-home income (after tax and PF).
  2. Fill in what you spend in each category — check last month's UPI and bank statements.
  3. Compare your split with the targets and adjust.

Example

With a take-home of ₹60,000: rent ₹15,000, groceries ₹8,000, bills ₹3,500, transport ₹3,000 and insurance ₹1,500 make needs of ₹31,000 (52%); wants of ₹10,500 (18%); and SIPs plus an emergency fund of ₹10,000 (17%) — leaving ₹8,500 unplanned. Moving that into a SIP lifts savings to 31%. See what those SIPs could grow to with the SIP calculator, or set a target with thesavings goal calculator.

Disclaimer: Results are estimates for educational purposes only and are not financial, investment or tax advice. Please verify with your bank, broker or a SEBI-registered adviser before acting. Read the full disclaimer.

Frequently asked questions

What is the 50/30/20 budget rule?
A simple guideline: spend about 50% of take-home pay on needs (rent, groceries, bills, EMIs), 30% on wants (eating out, shopping, entertainment) and save or invest at least 20%. It’s a starting point — in expensive cities rent alone can take more, so adjust the targets.
How do I start budgeting?
Check last month’s bank and UPI statements to see where money actually went, enter those amounts here, then compare with the 50/30/20 targets. Pick one or two categories to trim rather than cutting everything.
Should savings come first?
Yes — “pay yourself first”. Set up SIPs or a recurring deposit to go out right after salary day, and budget the rest.
Is my budget saved?
Your figures are saved only on this device in your browser, so you can come back and adjust them. Nothing is uploaded.

Savings Goal Calculator

Find how much to save every month to reach a goal — a car, a trip, a child’s education — with returns and inflation taken into account.

Net Worth Calculator

Add up your assets and loans to find your net worth, see where your money sits, and track how your financial health changes over time.

SIP Calculator

Calculate the future value of your monthly SIP investment in mutual funds, with total invested amount, estimated returns and a year-by-year chart.

Salary Calculator (CTC to In-hand)

Convert CTC to monthly take-home salary after PF, professional tax and income tax.

EMI Calculator

Calculate your monthly loan EMI, total interest and full amortisation schedule for home loans, car loans and personal loans.

FD Calculator

Find the maturity amount and interest earned on a bank fixed deposit with monthly, quarterly or yearly compounding.