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Where did my salary go?

Put in your take-home pay and roughly where it went this month. The arithmetic is the easy part - the useful part is seeing the shares, because a category at 22% of your salary reads very differently from the same number in rupees. The maths runs in your browser and none of your figures are saved or sent to us.

₹
What actually lands in the account, after tax and PF.
WHERE IT WENT
Rent or home loan Housing, maintenance, society dues
28.2%
₹
Groceries Kirana, supermarket, milk and vegetables
10.6%
₹
Eating out and delivery Restaurants, Swiggy, Zomato, coffee
5.3%
₹
Transport and fuel Cabs, metro, petrol, servicing
3.5%
₹
Bills and subscriptions Phone, internet, electricity, OTT
4.1%
₹
EMIs and insurance Loans, credit card dues, premiums
9.4%
₹
Invested or saved SIPs, RD, PPF, anything set aside
17.6%
₹
Everything else Shopping, health, gifts, travel, cash
7.1%
₹
LEFT AT THE END OF THE MONTH ₹12,000 Biggest single claim on the month: rent or home loan at 28.2% of take-home.
Spent ₹58,000
Invested or saved ₹15,000
Savings rate 32%
THE SPLIT
Rent or home loan 28.2%
Invested or saved 17.6%
Groceries 10.6%
EMIs and insurance 9.4%
Everything else 7.1%
Eating out and delivery 5.3%
Bills and subscriptions 4.1%
Transport and fuel 3.5%
Still unspent 14.1%

How to read the result

Shares, not rupees ₹9,000 on groceries means nothing on its own. At 11% of take-home it is normal; at 25% it is the thing to look at first. The percentage column next to each field is the useful number.
Savings rate is the one figure to track Invested plus unspent, over take-home. It moves slowly and it is the only number here that compounds. If it is under 10%, that matters more than which category is highest.
EMIs deserve their own line They are the least flexible rupees you have, which is why they are separate here. Anything above roughly a third of take-home leaves very little room to absorb a bad month.
A negative result is information If the total exceeds your salary, the gap was funded by something - savings, a credit card, or last month's leftover. Finding out which is the whole point of the exercise.

One caveat on the 50/30/20 rule and every rule like it: they were written for incomes and rents that are not Indian. A ₹42,000 rent against a ₹1,10,000 salary is 38% and unavoidable in Mumbai or Bangalore, and no rule of thumb changes that. Use the shares to compare your own months against each other, which is the comparison that actually tells you something.

The hard part is not the arithmetic. It's knowing what you actually spent.

This page needed you to guess eight numbers. Vittafy reads the transaction mail your banks and cards already send and fills them in - on your phone, with no Vittafy account and no server holding your ledger. Free on Android 10 and above - Play Store or a direct APK, whichever you prefer.

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