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Stay on top of your monthly cashflow
Set a realistic budget, monitor actual spending, and quickly spot variances before they derail your plan.
Monthly Budget Planner
Define your planned income and expenses for the selected month.
Add / Edit Budget Item
Capture recurring income and expense items to build your monthly budget.
Budget Items by Category
Cashflow Insights
Are you living within your means?
Compare your total planned expenses to planned income. Aim to keep expenses at 60–70% of income so you have room for savings and investments.
Savings available for goals
Your positive net cashflow can be allocated to emergency funds, debt repayment, and investment goals. Align this with your goal-based plans.
Track irregular expenses
Use quarterly or yearly frequency for items like insurance premiums, vacations, or school fees so they don’t surprise your monthly cashflow.
Adjust for real life
If actuals consistently exceed planned amounts in a category, update your budget rather than ignoring the pattern.
Suggested workflows
1. Set up your base budget
Add your main income and fixed expenses (rent, EMIs, insurance, utilities) for the current month.
2. Track variable spending
Log groceries, dining, transport, and entertainment as the month progresses to compare planned vs actual.
3. Review and adjust
At month-end, review variances, adjust next month’s budget, and increase contributions to your financial goals if possible.