Salary Budget Calculator — where your monthly salary should go
Enter your take-home pay and what goes out every month. See what is left to spend freely, per day, and how your split compares with the popular 50/30/20 rule of thumb.
Where your salary goes
- Fixed costs₹32,00053%
- Saving & investing₹9,00015%
- Free to spend₹19,00032%
Beside the 50/30/20 rule of thumb
Tell Spendly your salary and pay day: it shows when it is expected, what is safe to spend each day until then, and how this month compares.
Plan my salary →How it is calculated
Fixed costs are what you pay whatever happens: rent, EMIs, bills, groceries and other essentials. Saving and investing is what you put away on purpose — SIPs, RDs, a goal. Whatever is left is yours to spend freely.
The free-to-spend amount divided by 30 gives a daily figure, rounded down. The 50/30/20 rule (half on needs, 30% on wants, 20% saved) is shown beside your numbers as a common rule of thumb — not a target everyone must hit; rent and EMIs in big cities often take more than half.
Free to spend = take-home − (rent + EMIs + bills + essentials) − saving Per day = free to spend ÷ 30, rounded down
Questions
How much of my salary should I spend?
There is no single right number. A common guide is 50/30/20: about half on needs, 30% on wants and 20% saved. Treat it as a starting point and adjust for your rent, EMIs and goals.
How much of my salary should I save?
Many planners suggest starting at 20% of take-home and increasing it with each raise. Saving something every month, automatically on salary day, matters more than the exact percentage.
What if my fixed costs are more than half my salary?
That is common with high rent or several EMIs. It leaves less room for saving and surprises, so it is worth checking which costs can come down — and avoiding new EMIs until they do.
Should EMIs count as needs?
Yes, because they must be paid. The calculator also shows EMIs as a share of take-home; lenders look at that ratio when you apply for another loan.