🎲 Fun & Lifestyle
Budget Calculator
Income − expenses — your monthly surplus or deficit.
Enter values to see your result
Frequently asked questions
What's a good savings rate?
20% is the classic benchmark. FIRE aspirants target 50%+. Below 10% is financial fragility; one job loss and you're underwater.
How to increase savings?
Top 2 levers: (1) reduce rent/EMI (biggest line item), (2) cut lifestyle creep. Small savings on groceries/utilities rarely move the needle.
Monthly or yearly budget?
Monthly for operations; annual for big picture. Include annual expenses (insurance, property tax, vacations) by spreading 1/12 each month.
Should I budget every rupee?
Zero-based budgeting fits disciplined planners. 50/30/20 fits casual. Find what you actually follow — the "best" budget is the one you stick to.