RubanTools
Suggest a Tool

Budget Planner

Enter your monthly income and expenses to see your surplus or deficit, check the 50/30/20 rule and understand where your money goes.

Monthly Income
Business Revenue ₹
Other Income ₹
Needs 50%

Rent, utilities, groceries, EMIs, insurance - essentials you can't cut.

Rent / EMI ₹
Utilities ₹
Groceries ₹
Insurance ₹
Wants 30%

Dining out, entertainment, subscriptions - discretionary spending.

Dining / Eating Out ₹
Entertainment ₹
Subscriptions ₹
Savings & Debt 20%

Emergency fund, investments, loan repayments.

Savings / FD ₹
Loan Repayment ₹

Enter your income and expenses to see your budget analysis.

Budget Planner FAQ

The 50/30/20 rule suggests allocating 50% of income to needs (rent, utilities, groceries, EMIs), 30% to wants (dining, entertainment, subscriptions) and 20% to savings and debt repayment. Our planner checks your spending against these thresholds and highlights where you are over or under budget.

Fixed expenses are the same every month - rent, EMIs, insurance, salaries. Variable expenses change monthly - groceries, utilities, transport. Knowing both helps identify where you have flexibility to cut costs.

A deficit means expenses exceed income. Start by cutting discretionary (want) spending - subscriptions, dining, entertainment. Then renegotiate fixed costs like rent and service providers. Our planner highlights the largest categories so you know where to focus.