🎲 Fun & Lifestyle
Monthly Budget Calculator
Detailed monthly income vs fixed + variable expenses.
Enter values to see your result
Frequently asked questions
Fixed vs variable?
Fixed = unavoidable, contractually set (rent, EMI, insurance). Variable = discretionary (food, entertainment) — where you can cut easily.
Savings before expenses?
Yes — "pay yourself first". Automate SIP/save as soon as salary arrives. What's left becomes your spending budget.
Where's rent EMI allocation?
Target: ≤35% of net income on housing. Above 40%, other categories get squeezed dangerously.
Variable expenses too high?
Track actual spends for 3 months — usually 10–20% higher than memory. Apps: Walnut, Money View, Wallet, or plain Excel.