Money
Budget Calculator
A 50/30/20 split of your income, checked against what you actually spend.
₹1.2 L
₹5,000₹1,20,000₹50 L
₹0₹65,000₹50 L
₹0₹30,000₹50 L
₹0₹20,000₹50 L
Savings rate
16.67%
- Needs57%
- Wants26%
- Savings17%
- Needs — 54% (target 50%)
- ₹65,000
- Wants — 25% (target 30%)
- ₹30,000
- Savings — 17% (target 20%)
- ₹20,000
- Unaccounted for
- ₹5,000
What this means.Below a 20% savings rate, wealth building is slow regardless of how well you invest. The savings rate matters far more than the return in the first decade.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
Your data stays with you
This calculator runs entirely in your browser. Your income, loan amount, salary and any other figure you type is never transmitted to Credsir or anyone else. Nothing is stored, logged or shared.