Smart Budget Planner | FinanceByAbhimanyu

💰 Enter Your Monthly In-Hand Salary

₹

60 Thousand

Salary change karo → budget auto-update hoga 🪄

🏠

Needs (Essentials)

50%

₹0

🎯

Wants (Lifestyle)

30%

₹0

📈

Savings & Investments

20%

₹0

Expense Breakdown

Total Out

—

Category Spending

Income Allocation

Income

—

📏 50/30/20 Rule

50% Needs + 30% Wants + 20% Savings/Investments

Your Actual:

Ideal 50/30/20:

Actual vs Ideal

Monthly → Yearly

Annual Cash Flow

💡 Smart Budget Rules Used

Rent: ≤25% of salary (affordability rule).
EMIs: Total EMIs ≤ 40% of salary (banks also use this rule).
Emergency Fund: Build 6 months expenses in liquid savings.
SIP: Start with 10%+ of salary, increase yearly.
Insurance: Term plan = 10x annual salary, health = ₹5L+ cover.
50/30/20: Needs ≤50%, Wants ≤30%, Save ≥20%.