Mukhya mawad par jayein
Fiscora

Budget calculator

Apni maahana income aur ahem expenses likhein aur dekhein ke kitna bachta hai aur aap income ka kitna hissa bachate hain.

Muft istemal karein, account ki zaroorat nahi. Jo aap likhte hain wo aap ke browser mein hi rehta hai.

Wo raqam jo har maah aap ke account mein pohanchti hai.

Currency

Har maah bachne wali raqam

Rs 600.00

Kul expenses

Rs 2,400.00

Bachat ki sharah

20%

Har maah aap ke paas paisa bachta hai. Maah shuru hone se pehle tay karein ke wo kahan jayega, maslan bachat, qarz ki adaigi ya emergency fund.

  • Rehaish (kiraya ya mortgage)Rs 1,000.00
  • Bills aur utilitiesRs 300.00
  • Khana aur rashanRs 500.00
  • TransportRs 200.00
  • Doosre expensesRs 400.00
  • Har maah bachne wali raqamRs 600.00

50/30/20 guide

Wahi income taqseem karne ka aam usool. Ye shuruaat ka nuqta hai, qanoon nahi.

Zarooriyat (50%)

Rs 1,500.00

Khwahishat (30%)

Rs 900.00

Bachat (20%)

Rs 600.00

Ye kaise calculate hota hai

Budget ye compare karta hai ke kitna aata hai aur kitna jata hai. Ye formulas istemal hue hain:

Har maah bachne wala paisa
I − (E₁ + E₂ + … + E₅)
Bachat ki sharah
(I − E) ÷ I × 100
50/30/20 guide
I × 50% · I × 30% · I × 20%

I aap ki maahana income hai aur E aap ke maahana expenses ka kul hai.

50/30/20 guide income ka 50% zarooriyat, 30% khwahishat aur 20% bachat aur qarz ki adaigi par lagata hai. Ye aam usool hai, aur aap ke apne figures mukhtalif ho sakte hain, khaas kar jahan rehaish mehngi ho.

Har raqam jama hone se pehle 2 ashariya tak round hoti hai, is liye dikhaye gaye figures hamesha jama hote hain.

Misaal ke saath hisaab

Rs 3,000.00 maahana income aur Rs 2,400.00 expenses ke saath har maah Rs 600.00 bachta hai, yaani 20% bachat ki sharah. 50/30/20 guide usi income par Rs 600.00 bachat mein daalta.

Budget ke sawalat

Maahana budget kaise banaun?

Tax ke baad apni income likhein, apne baqaida expenses ki fehrist banayein, aur kul ko income mein se ghata dein. Jo bachta hai wo aap bacha ya kharch kar sakte hain. Phir pichhle maah se compare kar ke tabdeeli karein.

50/30/20 usool kya hai?

Ye tax ke baad ki income ko 50% zarooriyat jaise kiraya aur khana, 30% khwahishat jaise bahar khana, aur 20% bachat aur qarz ki adaigi mein taqseem karta hai. Ye guide hai, qanoon nahi.

Zaroorat kise kehte hain aur khwahish kise?

Zarooriyat wo kharch hain jin se bacha nahi ja sakta, jaise rehaish, buniyadi khana, utilities aur kaam par jane ka transport. Khwahishat wo cheezein hain jin ke baghair guzara ho sakta hai, jaise subscriptions, takeaways aur chhuttiyan. Kuch cheezein darmiyan mein aati hain.

Mujhe income ka kitna hissa bachana chahiye?

Kai guides taqreeban 20% suggest karte hain, magar sahi miqdar aap ki income, qarz aur maqasid par munhasir hai. Agar abhi 20% mumkin nahi to chhoti muqarrar raqam se shuru karein aur baad mein barhayein.

Kya meri maloomat kahin mehfooz ya bheji jati hain?

Nahi. Hisaab aap ke browser mein hota hai. Jo figures aap likhte hain wo humein nahi bheje jate aur na mehfooz hote hain.

Mutaalliq calculators

Nataij planning ke liye andaze hain. Ye maali, tax ya mazhabi mashwara nahi hain.