Selvayana: Monthly budget plannerEducational estimate, not investment advice. Selvayana is not registered with SEBI as an Investment Adviser or Research Analyst. Figures use the assumptions shown and are not predictions.
Monthly budget planner
See where your monthly income goes and how much is left to invest, compared with the 50/30/20 guide.
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Detailed breakdown
How it's calculated
Your surplus is income minus expenses, EMIs and current investments. The 50/30/20 guide suggests about 50% of take-home pay for needs, 30% for wants, and 20% or more for savings and investments.
Common questions
Are EMIs needs or wants?
Home loan EMIs are usually treated as needs. EMIs for gadgets or holidays are closer to wants. They're shown separately here so you can decide.
Last reviewed October 2026 · How we calculate · About Selvayana
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