50/30/20 Budget Calculator
Split your monthly take-home into needs, wants and savings — with realistic adjustments for Indian rent and living costs.
🎯How Much Should I Save?
Enter your monthly salary and see a savings target, emergency fund goal, and how long it takes to get there.
🏦EMI Affordability Calculator
Work out the EMI on a loan and check it against your income using the same ratio banks use to approve you.
Why we built these
Most budgeting advice online uses dollars, assumes a 401(k), and quietly ignores that a large share of Indian household income goes to rent, family support, and irregular freelance payments. These calculators start from a monthly take-home figure in rupees, because that is the number most people actually know.
They are deliberately simple and deliberately free. If you find them useful and want to track your actual spending against these targets month after month, that is what Smart Budget Tracker does — but the calculators work perfectly well on their own.
These tools are general educational calculators, not personalised financial advice. They do not account for your tax situation, dependants, existing debts, or goals. For decisions that matter, speak to a SEBI-registered investment adviser or a qualified financial planner.