Plan Your In-Hand Salary
Allocate your monthly take-home salary into expenses, loans, investments and safety — and see how healthy your plan is.
What this Salary Planning Calculator does
This calculator helps you plan how your salary should ideally be distributed between expenses, savings, and investments. Instead of reacting to whatever remains at the end of the month, it encourages intentional planning.
The goal is to help you design a salary structure that supports both your current lifestyle and long-term financial goals.
How salary planning is evaluated
The calculator looks at your income and evaluates whether your savings and expense allocation are sustainable. It checks whether your savings rate is healthy and whether expenses are within reasonable limits.
Income = Expenses + Savings
Why planning matters more than earning more
Many people earn well but still feel financially stressed because salary increases are absorbed by lifestyle inflation. This calculator helps you break that cycle by giving clarity on how much you should ideally save and invest.
Using the result effectively
Treat the output as a guiding framework, not a rigid rule. Even small adjustments made consistently can lead to meaningful improvements over time.