Budget Planner

A budget in rupees is income minus expenses, not a personality test. ₹80,000 in and ₹55,000 out leaves ₹25,000. That leftover is the only number that can become an emergency FD, a SIP, or the EMI of a two-wheeler in Nashik. This page is that subtraction, without categories.

A number you need in a queue

Young households in Bhubaneswar and joint families in Patna both under-count UPI taps: milk, quick commerce, metro cards. IndiaKit does not shame the ₹55,000; it shows whether ₹80,000 still has a ₹25,000 spine. Category apps are a different product.

How the lookup or formula runs

Remaining = income − expenses. Defaults ₹80,000 and ₹55,000 → ₹25,000. A negative result means the month is already in the red.

Annualise by multiplying leftover by 12 only if every month looks like this one. School-fee April and festival October do not.

Debt EMIs belong in expenses. If you omit the home EMI, the ₹25,000 is fiction.

₹80,000 income, ₹55,000 spend in Bhubaneswar

A couple in Bhubaneswar nets ₹80,000 and tracks ₹55,000 of rent, groceries and a car EMI. IndiaKit shows ₹25,000 remaining. They earmark ₹10,000 to a SIP and ₹15,000 to a sinking fund for insurance, instead of treating ₹25,000 as eating-out money.

What we do not store

Two fields only. No inflation, no sinking funds, no tax. Not a SEBI-registered plan. UPI statements are more truthful than memory.

Common questions

Should I include PF already deducted in income?

Use in-hand income if expenses are in-hand expenses. Mixing CTC with rent will fake a surplus.

What if the leftover is negative?

The page will show a negative rupee amount. That is the result. Cut expenses or raise income; the calculator will not lend to you.

Can I plan for 50-30-20 here?

Not as categories. Compute 50% of ₹80,000 (₹40,000) on the generic percentage tool, then compare with your expense total.