Updated July 2026

Monthly Money Plan

See what remains after committed outgo, choose your own emergency-buffer target, and allocate the rest without a prescribed budget ratio.

Step 1 of 4

Establish your monthly cash flow

Start with the amount that reaches your bank account. This Plan does not estimate CTC or payroll deductions.

Monthly cash-flow inputs

Monthly pay received after payroll deductions.

Rent or home-loan payment and required housing charges.

Food, utilities, transport, insurance, and necessary household spending.

All required monthly EMIs and other debt payments. Enter zero if none.

A monthly amount for annual bills, repairs, medical costs, and other non-monthly essentials.

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Need help with your in-hand amount?

Check salary and affordability or use the detailed Salary Calculator for CTC, payroll structure, tax regime, HRA, and deductions.

Step 1 of 4. Establish cash flow.