PlannedOutA monthly budget planner built for how Indian households spend
Salary comes in on the 1st, EMIs and SIPs go out on fixed dates, school fees and the LIC or health insurance premium arrive once a year, and Diwali or a wedding blows up one month. A generic budget app treats all of that the same. PlannedOut doesn't.
Everything a typical Indian month includes
- Salary, bonus, rental income, freelance or business income
- Home loan, car loan and personal loan EMIs, credit card bills
- Rent, maintenance, electricity, gas, broadband, mobile recharges
- Household help, driver, cook and other staff salaries
- SIPs, PPF, NPS, RD and other investments, kept apart from spending
- Groceries, dining out, fuel, shopping, medical and family support
Big yearly bills, planned ahead
- School and college fees, coaching and uniform costs
- Term, health, motor and LIC premiums
- Property tax, advance tax, vehicle servicing
- Diwali, weddings, travel and festival spending
- See them in an annual calendar so they never surprise you
Answers you get every month
- Did this month add to savings or eat into them, in ₹
- Fixed commitments vs day-to-day vs annual vs one-off
- Which categories are creeping up compared to the last six months
- Savings rate and a year-at-a-glance view
- How your savings grow by the year you plan for, like a child's education or retirement
Questions
What is a good monthly budget for a family in India?
There is no single number. A useful check is your savings rate: what share of take-home pay is left after all spending, including the monthly share of yearly bills. PlannedOut calculates this for you.
How do I plan for school fees and insurance premiums?
Mark them as annual items. PlannedOut keeps them apart from day-to-day spending and shows how much they add up to in a year, so you can set money aside every month.
Does it read my SMS or connect to my bank?
No. You stay in control: type, paste or import your own statements. Nothing is pulled from your phone or bank.
More guides
- Excel budget alternative: An alternative to Excel and Google Sheets budget templates. Spreadsheet-style entry with formulas and paste, plus automatic monthly verdicts, trends and savings projections. Import your .xlsx.
- Private expense tracker: A private, end-to-end encrypted expense and budget tracker. No bank login, no SMS access, no ads, no data selling. Your numbers are encrypted in your browser before they are saved.
- Savings runway planner: Plan a career break, sabbatical, job loss, early retirement (FIRE) or retirement. See how many months your savings last based on your real spending, with inflation and yearly bills.
- Annual expenses planner: Plan annual and irregular expenses like school fees, insurance premiums, property tax, subscriptions and festivals. See the yearly total and the monthly amount to set aside.