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About this tool
Plan a rupee household budget across rent, EMI, groceries and savings, with 50/30/20 and FOIR ratio checks.
This planner turns a month of Indian household cash flow into three numbers — needs, wants and savings — and grades each against the 50/30/20 rule. Enter take-home pay plus every outgoing from rent and EMIs to groceries, school fees and SIPs, and it returns each line as a percentage of income along with your housing ratio and your FOIR, the fixed-obligation-to-income ratio lenders use when they sanction a loan. It is built for salaried families who want to see, in rupees, exactly where a month disappears.
Open Household Budget Planner India on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Every line shows as a percentage of income, so a big number in context stops looking scary or safe by accident.
The FOIR and 30% housing checks are the same yardsticks a bank applies before it sanctions a loan.
All figures are computed on your device; no salary or expense data is uploaded or stored.
It allocates 50% of net income to needs, 30% to wants and 20% to savings and debt repayment. It comes from Elizabeth Warren and Amelia Warren Tyagi's 2005 book All Your Worth, and it works as a starting benchmark rather than a hard rule — high-rent metros often force needs above 50%.
Aim for 30% of net monthly income or less, including maintenance. In Mumbai, Bengaluru and Delhi NCR this often stretches to 35-40%, and the trade-off shows up directly as a smaller savings rate — which is why the planner shows both ratios side by side.
FOIR, or fixed obligation to income ratio, is your total monthly loan EMIs divided by net monthly income. Most Indian lenders sanction comfortably up to about 40% and stop around 50%, so existing car, personal and credit-card EMIs directly shrink the home loan you can get.
Yes — the employee's 12% EPF contribution is real saving, so count it. Since EPF is deducted before take-home pay, either add it back to income and list it as a savings line, or treat your voluntary SIPs and PPF as the visible top-up above it. This is general information, not personalised advice; a SEBI-registered adviser can review your full picture.
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