UP TO · 55%
Essentials
₹16,500
Maximum recommended for rent, EMI, groceries, petrol and bills.
The monthly money plan
Salary allocation
Every rupee, a purpose.
Five simple buckets for your take-home salary. Cover today, prepare for tomorrow, and leave room to enjoy life.
Your month, in numbers
01 / INPUTS/ month
After tax and other salary deductions.
Put 10% towards clearing it.
Optional. Used only to show this month's coverage.
Emergency fund target
Months of essential expenses to keep aside.
Optional. This does not change your monthly salary split.
Your numbers stay in this calculator. No account needed.
Your monthly allocation
02 / PLANTake-home salary
₹30,000
ENJOY IT · 5%
Guilt-free spending
₹1,500
Biryani, movies, shopping. Enjoy this money without guilt.
CLEAR DEBT · 10%
Debt payoff
₹3,000
Suggested monthly debt payment, on top of EMIs in essentials.
SAFETY FIRST · 15%
Emergency fund & short-term goals
₹4,500
Build your emergency fund first. Then save for a bike, trip or wedding.
BASE SIP · 15%
Long-term wealth
₹4,500
Suggested monthly mutual fund SIP contribution. Returns are not guaranteed.
Monthly total · 100%₹30,000
Credit card debt can carry very high interest. Prioritize clearing high interest debt before investing extra money. Check your card’s current terms and interest rate.
03 / YOUR SAFETY NET
Build your emergency fund first.
Keep a cushion for the unexpected. Your monthly 15% goes here until the target is reached.
Emergency fund target · 3 months
₹49,500
₹16,500 essentials × 3 months
Still to save
₹49,500
₹4,500 allocated each month
Existing savings: ₹0. Savings are not monthly income.
How the numbers work
Each bucket = take-home salary × its percentage. 55 + 5 + 10 + 15 + 15 = 100%. Emergency target = 55% essentials estimate × your selected months. Remaining target = target minus existing savings, never below zero.
Amounts are calculated in paise. Fractional paise are balanced across buckets so the displayed monthly total always matches your salary.
This calculator is an educational starting point. A fixed percentage split may not fit every person’s income, location, family responsibilities, debt, or goals. Mutual fund returns are not guaranteed. Investments carry risk, and taxes, charges, inflation, and market falls can affect outcomes.