Map your monthly income and expenses, see exactly where your money goes, and find your savings rate — all in one place. No spreadsheet needed.
Monthly Income
Enter your total monthly take-home income after taxes.
Monthly Expenses
Most people have a rough idea of what they earn, but almost no one knows exactly where it goes. This budget planner changes that. By categorising your expenses into Needs, Wants, and Savings — the foundation of the 50/30/20 framework — you get an instant picture of your financial health: your savings rate, how your spending compares to proven benchmarks, and where your money leaks. No spreadsheet, no sign-up, and it saves locally so you can revisit it anytime. The single most powerful thing you can do with your finances is to actually look at them.
Rent or EMI, groceries, utilities, transport, insurance, and medical. Non-negotiable spending that keeps your life running — hard to cut quickly.
Dining out, streaming, shopping, travel, gym, hobbies. Things that make life enjoyable but aren't strictly essential — the most flexible part of your budget.
Emergency fund, SIP investments, stocks, PPF, NPS, or any wealth-building vehicle. Pay yourself first — set this aside before you spend on wants.
The percentage of income you keep. At 20% you reach financial independence in ~37 years. At 50%, it drops to ~17. Every extra percent has compounding impact.
| Savings Rate | Years to Financial Independence | Monthly Savings (on ₹50,000 income) | Status |
|---|---|---|---|
| Less than 10% | 40+ years | Less than ₹5,000 | Critical — prioritise immediately |
| 10–19% | 35–40 years | ₹5,000–9,500 | Below benchmark |
| 20–29% | 28–37 years | ₹10,000–14,500 | On track |
| 30–49% | 17–28 years | ₹15,000–24,500 | Strong |
| 50%+ | Under 17 years | ₹25,000+ | FIRE-track |
Start by entering your total monthly take-home income after taxes. Then add your recurring expenses in each category — be honest and specific. The more accurate your inputs, the more useful the output.
Popularised by US Senator Elizabeth Warren in All Your Worth, the 50/30/20 framework works because it's simple enough to actually follow. But it's a starting point, not a law.
Disclaimer: This tool is for general informational purposes only and does not constitute financial advice. All projections and benchmarks are illustrative. Consult a registered financial advisor before making investment decisions, particularly if you have complex financial circumstances such as business income, significant debt, or dependents.