Calculator
What the Budget Planner does
Budget Planner: calculates Leftover, Ideal Needs (50%) and Ideal Wants (30%) from Monthly Income, Needs (50%) and Wants (30%). Example: monthly income 80000 ₹, needs (50%) 40000 ₹ and wants (30%) 20000 ₹ gives leftover ₹4,000.00.
From Monthly Income, Needs (50%), Wants (30%) and Savings (20%), this tool derives Leftover, Ideal Needs (50%) and Ideal Wants (30%). Edit a field and the answer updates in place.
Typical users are anyone weighing up a loan. Small differences in rate or term compound into large differences in what you actually pay.
The page holds your values in memory and forgets them the moment you close it.
The method, a field-by-field reference and a worked example built from the defaults are all on this page.
What do the Budget Planner fields mean?
The Budget Planner uses 4 inputs. Each input has a default that makes sense on its own, so a partial edit still gives a valid result.
| Field | What to enter | Default |
|---|---|---|
| Monthly Income | measured in ₹; accepts 0 to 10000000 | 80000 |
| Needs (50%) | measured in ₹; accepts 0 to 10000000 | 40000 |
| Wants (30%) | measured in ₹; accepts 0 to 10000000 | 20000 |
| Savings (20%) | measured in ₹; accepts 0 to 10000000 | 16000 |
How does the Budget Planner work?
Each output is derived from the inputs above in a single pass; there is no hidden state carried between runs, so the same inputs always give the same calculation.
Validation is deliberately strict: silently coercing a bad value is how wrong numbers get trusted.
Worked example
These are the values the Budget Planner loads by default, and the result it produces from them. Here is the calculation as it stands the moment the page loads.
| Monthly Income | 80000 ₹ |
|---|---|
| Needs (50%) | 40000 ₹ |
| Wants (30%) | 20000 ₹ |
| Savings (20%) | 16000 ₹ |
| Leftover | ₹4,000.00 |
|---|---|
| Ideal Needs (50%) | ₹40,000.00 |
| Ideal Wants (30%) | ₹24,000.00 |
| Ideal Savings (20%) | ₹16,000.00 |
How to use it
- Fill in Monthly Income in ₹ (0 to 10000000).
- Type Needs (50%) in ₹ (0 to 10000000).
- Enter Wants (30%) in ₹ (0 to 10000000).
- Set Savings (20%) in ₹ (0 to 10000000).
- Watch the results panel as you type: it recalculates on every keystroke.
- The panel reports Leftover, Ideal Needs (50%), Ideal Wants (30%) and Ideal Savings (20%).
- Copy Link is the quickest way to send the exact scenario to someone else.
What this tool does not do
- Fees, processing charges and taxes are not included unless there is a field for them.
- Lender rounding conventions differ, so your statement may vary by small amounts.
- It assumes the values you give are already consistent with each other.
- Confirm the units before you act on the output. The arithmetic is only as sound as what went in.
Frequently asked questions
Enter Monthly Income in ₹, Needs (50%) in ₹, Wants (30%) in ₹ and Savings (20%) in ₹. The unit is shown beside each box, and the result carries its own label, so there is nothing to convert by hand.
Monthly Income accepts 0 to 10000000 ₹. If a value falls outside, the tool says which field is at fault instead of guessing.
With the values loaded when the page opens, leftover comes out as ₹4,000.00. Any edit re-runs the calculation, so there is no stale number on screen.
No. We never see the amounts you enter, so there is no financial record of your visit to leak.
Nothing at all. There is no registration, no paywall and no per-use quota.
The maths is exact for the method shown, but real products add fees, taxes and eligibility rules a general calculator cannot know. Confirm the figures with the lender before committing.