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Family Budget Calculator for FY 2025–26

Be the finance minister of your own home

Just like the Union Budget plans the nation’s finances, this calculator helps you track income, manage expenses and stay ready for the unexpected.

Disclaimer

Step

Start with your income

As the finance minister of your home, start by entering your total monthly income.

Primary monthly income (In-hand)

₹

Other income (rent, interest, profits, etc.)

₹

Your total monthly income

₹1,00,000

Your annual income ₹12,00,000

Disclaimer

Enter your EMIs, Expenses and Investments

Your EMI commitments every month

Ministry of Debt Repayment

Home loan EMI

₹

Credit Card Bill

₹

Other loan EMIs

₹

20% of your monthly income goes towards debt

Your personal & household expenses

Ministry of Home Affairs

Utilities and groceries

₹

Rent

₹

Other expenses

₹

35% of your monthly income goes towards utilities

Your investments including gold, SIPs, etc.

Ministry of Future Development

Investments

₹

5% of your monthly income goes towards investments

Your emergency fund

Ministry of Crisis Management

Funds

₹

5% of your monthly income goes towards emergency backup

You have unallocated from your income

Your expenses are exceeding your income, please review the amounts and try again.

Disclaimer

Your Budget is at a risk of

Monthly Revenue

₹1,00,000

Expenses

₹20,000

Savings

₹80,000

Debt and needs

Learn more

Yours:

Ideal <50%

Fixed obligations are well within recommended limits, ensuring strong liquidity. Fixed expenses are high. It is advisable to avoid undertaking new financial liabilities at this stage. Fixed expenses exceed recommended thresholds. Review recurring costs to improve cash flow.

Lifestyle

Learn more

Yours:

Ideal <30%

Discretionary spending is sustainable and within the prudent range. Discretionary spending is trending higher than optimal. Consider reallocating funds to savings. Lifestyle expenses are disproportionately high. Rationalise non-essential spending.

Savings

Learn more

Yours:

Ideal >20%

Financial health is strong. Current allocation supports long-term wealth accumulation. Savings rate is moderate. Increase allocation to outpace inflation and meet future goals. Savings rate is critically low. Prioritise building an emergency fund for financial security.

Fix your budget with these

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Locate our nearby

Family Budget Calculator for FY 2025–26

Be the finance minister of your own home

Start with your income

Enter your EMIs, Expenses and Investments

Your EMI commitments every month

Your personal & household expenses

Your investments including gold, SIPs, etc.

Your emergency fund

Your Budget is

Your Budget is at a risk of

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