Use this Salary Budget Planner to instantly see how your monthly salary should ideally be spent. Just enter your salary and the tool automatically allocates money across savings, rent, food, family, health, travel, and lifestyle expenses using a practical Indian budgeting model.
Salary Budget Planner
How to Use This Calculator
It’s a very simple budget planner tool and can be use in only 2 steps.
- Enter Monthly Salary (₹)
Your take-home monthly income. - Click Calculate
That’s it.
The calculator auto-distributes your salary into ideal spending categories.
Ideal Salary Breakdown Used
The calculator uses the following balanced Indian budgeting ratio:
| Savings & Investment | 30% |
| Rent / House | 15% |
| Food | 10% |
| Electricity + Internet + Subscriptions | 6% |
| Family Support | 10% |
| Health | 7% |
| Transport | 6% |
| Insurance | 4% |
| Friends / Partner | 5% |
| Travel / Fun | 4% |
| Clothes / Grooming | 2% |
| Donation | 1% |
| Total | 100% |
Who This Calculator Is For
- Freshers managing salary for the first time
- Remote workers without fixed expenses
- Anyone struggling to control monthly spending
- People who save after spending (wrong order)
Important Notes
- This is an ideal guideline, not a rule
- You can adjust categories based on your situation
- High-rent cities may need higher housing allocation
- If savings are below 20%, reconsider expenses
Frequently Asked Questions
Is this suitable for Indian salaries?
Yes. The split is designed for Indian cost of living.
What if my rent is higher?
Reduce lifestyle categories, not savings.
Is this financial advice?
No. This is a budgeting reference tool.
Can students use this?
Yes, for planning future expenses.