Rupeka Money Plan Beta

Know what your salary can safely do this month.

An experimental monthly view: enter where your salary is already promised, and see what is genuinely free to spend, where the pressure is, and the few things worth fixing first. This is an early beta — use it alongside the calculators, not as financial advice.

No login. No bank connection. Your numbers are saved only on this device, and only when you choose to save.

Your salary this month

Use this month's actual amounts. Leave anything that does not apply at 0.

Monthly take-home income

In-hand salary after tax and payroll deductions — not CTC. Rent / housing (optional)

Rent, maintenance, or a regular housing cost. 0 if none. Loan EMIs (optional)

All loan EMIs due this month — home, car, personal, education. Credit-card due this month (optional)

The amount you must pay on cards this month. 0 if none. Living expenses (optional)

Food, utilities, transport, phone, and daily spending combined. Family support (optional)

Money sent to parents or family each month. 0 if none. Savings / investment this month (optional)

What you plan to save or invest before spending freely. Emergency fund balance (optional)

Cash already set aside for emergencies. Used to estimate your runway.

Pressure check

Rent pressure OK

Rent is comfortable

25% of income

Rent of ₹25,000 is 25% of take-home pay, which leaves room for everything else.

EMI / debt pressure OK

Loan EMIs are manageable

10% of income

Loan EMIs of ₹10,000 use 10% of take-home pay. Above roughly 35–40%, new borrowing becomes risky and a job gap hurts more.

Credit-card danger OK

No credit-card due

No due

Nothing owed on a card this month. Paying the full statement each month avoids interest entirely.

Emergency runway Watch

Buffer is building

3.3 months

₹2,00,000 covers about 3.3 months of essential costs (₹60,000/month). Three to six months is a common comfort zone.

Savings pressure OK

Healthy savings rate

20% of income

Saving ₹20,000 is 20% of take-home pay. That is a solid, steady rate.

Fix these first

Put your ₹20,000 free money to work

The plan balances with room to spare. Assign the free money deliberately — a goal, a buffer top-up, or an investment — instead of letting it drift.
Set a Savings Goal →

Check these next

Credit Card Interest See the real cost of any card balance you carry. EMI Affordability Check whether a new loan EMI fits this salary. Savings Goal Turn your free money into a dated target. Loan Prepayment See if prepaying cuts your EMI or your tenure. Notice Period Salary Plan the cash impact of a job switch. Monthly Budget Split living costs into detailed categories.

An estimate from the amounts you enter, to help you plan — not financial advice. It does not include tax, irregular yearly costs, or bank-specific rules.