Diwali Budget Calculator — plan festival spending
Gifts, sweets, lights, new clothes and the trip home add up fast. Plan the festival in one place, see it as a share of your salary, and how much your bonus covers.
Where it goes
- Gifts₹9,60029%
- New clothes₹8,00025%
- Everything else₹15,00046%
Spendly works this out every morning from your real accounts, bills, EMIs and pay day — and shows it per day.
See my Safe to Spend →How it is calculated
Gifts are the number of people × the average per gift; sweets, decor, clothes, travel and everything else are totals. The total is compared with one month’s take-home salary.
If you get a Diwali bonus, it is used first. The rest comes from salary — which is spending money for the month, so it should come out of what is safe to spend, not your emergency fund.
Total = people × per gift + sweets + decor + clothes + travel + other Share of salary = total ÷ monthly take-home From salary = total − bonus (if the bonus is smaller)
Questions
How much should I spend on Diwali?
There is no right amount, but planning it ahead keeps it from eating into savings. If the total is more than a month’s free spending, trim the gift list or the travel.
Should I use my Diwali bonus for the festival?
Using part of it is fine. Saving or investing the rest — or using it to clear a card balance — usually does more for you than spending it all.
How do I stop festival spending going on the credit card?
Set the budget first and pay from the bank. If you use the card, add it in Spendly: the bill is set aside before it is due, so it never looks like spending money.
Can Spendly track festival spending?
Yes. Set a budget for the month and Spendly shows spending against it and what is still safe to spend. With Premium, payments are added from your bank’s own alerts.
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