Loading page
About this tool
Build a full trip budget with forex markup, TCS and a contingency buffer, then back-solve the monthly saving it needs.
A travel fund planner turns a trip into a single funded number and then into a monthly saving. It builds the budget from per-person and per-night components, adds the forex markup on the share actually paid in foreign currency, applies a contingency buffer, and includes tax collected at source under section 206C(1G) of the Income-tax Act where the spending is an overseas tour package or an LRS remittance. The shortfall left after your existing savings compound to the departure date is converted to a monthly contribution using the ordinary-annuity formula.
Open Travel Fund Planner 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.
The bank's spread is applied only to the share you actually pay abroad, not the whole budget.
Tax collected at source is included in the cash you need but flagged as recoverable, not as a cost.
A contingency percentage sits on top of the budget, so a fare change does not become a card balance.
Under section 206C(1G), an overseas tour programme package attracts 5% TCS on the aggregate up to the financial-year threshold of ₹10 lakh per PAN and 20% above it; other LRS remittances that are not for education or medical treatment attract nil up to ₹10 lakh and 20% on the excess. The threshold was raised from ₹7 lakh by the Finance Act 2025 — confirm the current position, as it is revised in most Budgets.
It is not an extra tax. TCS is collected on your PAN and appears in Form 26AS, so it is set off against your income tax liability when you file and refunded if you have overpaid. Budget the cash for it anyway, because you pay it at booking and recover it months later.
Most Indian credit cards add a foreign transaction fee of around 2–3.5% on top of the conversion rate, while prepaid forex cards typically load a smaller spread on the rate itself. Compare the all-in rate rather than the headline fee, and enter the number your own card actually charges.
10% of the budget is a common starting point and covers ordinary overruns like a taxi strike or a pricier meal. Push it to 15–20% for long-haul trips, remote destinations, or when you are booking non-refundable fares many months ahead and currency movement could work against you.
Add the Travel Fund Plannerwidget to your blog or website — free, responsive, no signup. Just keep the “Widget by AltFTool” credit link visible.
<iframe src="https://www.altftool.com/embed/widget/travel-fund-planner"
title="Travel Fund Planner — free AltFTool widget"
width="100%" height="640" style="border:0;border-radius:12px;overflow:hidden"
loading="lazy" referrerpolicy="no-referrer-when-downgrade"></iframe>
<p style="font-size:12px;margin:4px 0 0">Widget by <a href="https://www.altftool.com/tools/all/travel-fund-planner?utm_source=embed&utm_medium=widget">AltFTool — free online tools</a></p>