FinCalc

Personal Budget Calculator

See where your money goes each month, track your disposable income, and measure your spending against the 50/30/20 rule.

Income & expenses
Enter your monthly income and where it goes to see your cash flow.
₹

Fixed expenses

Needs
₹
₹
₹
₹
₹

Variable costs

Wants
₹
₹
₹
₹
₹

Savings & debt

Savings
₹
₹
₹
Monthly surplus
₹10,800.00

Fixed expenses

₹41,500.00

Variable costs

₹13,700.00

Savings & debt

₹19,000.00

Disposable income

₹43,500.00

Budget rule

50 / 30 / 20

50/30/20 breakdown
How your income is split between needs, wants, and savings.
NeedsWantsSavingsSurplus

Needs

Target 50% of income

₹41,500.00

48.8%

Wants

Target 30% of income

₹13,700.00

16.1%

Savings & debt

Target 20% of income

₹19,000.00

22.4%
  • Essentials use 48.8% of income — within the 50% target.
  • Wants use 16.1% of income — within the 30% target.
  • You're saving 22.4% of income — at or above the 20% guideline.
  • ₹10,800.00 (12.7%) of income is unallocated — channel it into savings or planned wants.