Budget Calculator – Track Income, Plan Expenses & Grow Savings
This Budget Calculator helps you map out your monthly income against your essential expenses, discretionary spends, and savings goals using proven budgeting frameworks like the 50/30/20 rule.
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What is a Budget Calculator?
A Budget Calculator is an online financial planning tool that analyzes your monthly take-home income and categorizes your expenditures into Needs, Wants, and Savings, giving you a clear picture of your financial health and cash surplus.
- 100% Free with zero hidden calculation fees
- Aligned with verified RBI & statutory tax models
- Instant amortization and compounded corpus outputs
- No login or personal financial information required
How to Use Budget Calculator
Streamline your personal financial planning with an easy, automated process — calculate, plan, and achieve your financial targets.
Enter Monthly Take-Home Income
Input your total net in-hand income from salary and other sources.
Itemise Expenses
Enter your essential living costs (rent, utilities, groceries, EMIs).
Review Savings & Balance
See your remaining disposable income and recommended savings targets.
The 50/30/20 Budgeting Rule
The 50/30/20 rule divides your post-tax income into three categories: • 50% for Needs: Rent, groceries, utilities, minimum debt payments, healthcare. • 30% for Wants: Dining out, entertainment, shopping, vacations, hobbies. • 20% for Savings & Debt Acceleration: Investments, emergency fund, extra loan repayments.
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Frequently Asked Questions
Get clear answers about Budget Calculator calculations, interest components, and eligibility terms.