Module C • Monthly Cash Flow
Income Allocation & Monthly Budget Planner
Answer "How should I allocate my salary when it arrives?" without rigid 50/30/20 dogmas. We calculate your actual committed outgoings, irregular expense buffers, and true disposable surplus.
Monthly Income & Expense DetailsLive calculation
Monthly Take-Home Salary₹1,20,000
Essential Living Expenses (Rent, Groceries, Utilities, Schooling)₹42,000
Existing Loan EMIs₹16,000
Discretionary Lifestyle Spending (Dining out, Shopping, Leisure)₹22,000
Monthly Share of Annual Expenses (Vacations, Festivals, Maintenance ÷ 12)₹5,000
*Amortising irregular annual spending prevents sudden month-end cash flow shocks.Net Monthly Disposable Surplus
₹32,500
27.1% Savings Rate
Healthy Cash Flow
You have ₹32,500 per month available to channel into emergency reserves, loan prepayments, and wealth-building SIPs.
Smart Allocation Blueprint₹47,000 (39%)₹16,000 (13%)₹32,500 (27%)₹22,000 (18%)
Essential Living Outgoings
Household necessities + annual irregular reserve
Debt & EMI Commitments
Scheduled EMIs + accelerated debt reduction
Investable Wealth & Goals SIP
Disciplined equity & debt goal accumulation
Discretionary Guilt-Free Spending
Dining, shopping, and entertainment