Ghar ka Monthly Budget Planner
Real monthly cost + free Excel sheet
Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026
How to use: Enter each earner's take-home pay, then the monthly bills, then the whole-year amount of every yearly bill. Replace the example figures with your own; the real monthly cost, what is left over and the Excel file update as you go.
ExampleA family of four with two incomes, rent, a car EMI, school fees paid once a year, LIC and health premiums, Diwali and a trip home.
1. Income — what reaches the bank (आमदनी)
After tax and PF, per month
Leave at zero for a single income
2. Every month (हर महीने)
Filled with example figures for a family of four — replace each with yours.
All loan EMIs together, including phone or appliance EMIs
Only what is paid every month. Annual fees go in the yearly list below
Leave at zero if it does not apply
3. Once a year — enter the whole-year amount (साल में एक बार)
These are the bills a monthly budget forgets. The planner spreads each one across 12 months.
The whole year: annual or quarterly fees, admission, books, uniform, trips
Every premium paid once a year — health, term, LIC, ULIP
Gifts, clothes, sweets, travel for Diwali, Eid, Christmas, weddings season
4. Saving (बचत)
Money that leaves the account into investments each month
Six months is the common guideline; more if income is irregular
Your real monthly cost
₹1,10,583
Take-home income
₹1,15,000
Short every month by
₹5,583
Savings rate
9%
The hidden monthly bill
₹16,083 a month
Your yearly bills add up to ₹1,93,000. Spread over 12 months that is ₹16,083 a month — money that sits in no monthly budget until the bill arrives. Without it, the month looks comfortable (₹10,500 spare). With it, you are short by ₹5,583.
- School fees, admission, books, uniform₹60,000 → ₹5,000/mo
- Diwali & festivals₹30,000 → ₹2,500/mo
- Health, term, LIC premiums₹25,000 → ₹2,083/mo
- Trip home / holiday₹25,000 → ₹2,083/mo
Put about ₹16,100 a month in a recurring deposit and the big bills are already paid for when they come. See what that RD grows to →
Where the income goes
105% of income
- Every month₹94,500
- Yearly bills ÷ 12₹16,083
- Saving₹10,000
The line marks your income. Everything past it — ₹5,583 a month — comes from savings, a credit card or a loan in the months the yearly bills land.
Your real monthly cost, by kind
- Home & loans₹34,00031%
- Food₹14,00013%
- Bills₹6,0005%
- Children's school₹8,0007%
- Getting around₹7,0006%
- Help at home₹6,0005%
- Health & parents₹10,5009%
- Lifestyle & other₹9,0008%
- Yearly bills ÷ 12₹16,08315%
Emergency fund target
₹5,25,500
6 months of the essentials — rent, EMIs, food, bills, school, travel, help, medicine, parents and insurance (₹87,583 a month). Eating out and shopping stop first, so they are left out. Where to keep it
Cost per family member: ₹27,646 a month · EMIs take 10% of income.
Take it to Excel
A real Excel sheet in rupees, with every total as a formula — keep editing it month by month. Opens in Excel, Google Sheets and on the phone.
Most family budgets fail in the same two months: when the school fees, the insurance renewal or the festival spending arrive all at once. The monthly bills were never the problem — the yearly ones simply were not in the budget.
This planner puts both on one page. Fill in what each earner takes home, the bills that repeat every month, and the whole-year amount of the bills that come once a year. It adds one-twelfth of the yearly list to the monthly total, so you see the household's real monthly cost, what is left after the saving you already make, your savings rate, and an emergency-fund target from your own essentials. Then download it as an Excel sheet in rupees and keep it going month by month.
For what a family of four commonly spends, line by line, in a metro and in a smaller city, read monthly expenses of a middle-class family in India. To see what the set-aside grows to, use the RD calculator; for where to keep emergency money, emergency me paise kahan se laye; and to check your income against your city, what counts as a good salary in India. Planning only the festival? The Diwali budget planner does that.
The arithmetic is yours: real monthly cost = monthly lines + yearly lines ÷ 12; left over = income − real monthly cost − saving already made; savings rate = (saving + any left over) ÷ income. The emergency fund counts the essential monthly lines plus insurance premiums ÷ 12, times the months you choose. Example figures are the middle of our own line-by-line estimates for a family of four at 2026 prices, not survey averages.
- Yearly bills are spread evenly; in real life they bunch up (April–June school fees, October–November festivals), so the set-aside has to be in place before those months.
- Example figures are line-by-line estimates for a family of four, not survey averages — replace them with your own.
- How do I make a monthly budget for my family?
- Write down what reaches the bank each month, then every bill that repeats monthly — rent or EMI, groceries, electricity and phones, school transport, fuel, domestic help, medicines, money to parents. Then list the bills that come once a year: school fees, insurance premiums, vehicle insurance, Diwali, weddings, the trip home. Divide that yearly list by twelve and add it to the monthly total. That figure — not the monthly bills alone — is what the household really costs, and the planner does the adding for you.
- Why divide yearly expenses by 12?
- Because they still have to be paid. A budget that only counts monthly bills looks comfortable for ten months and breaks in the two when school fees and festival spending land. Setting aside one-twelfth of the yearly bills every month — in a recurring deposit, for example — means the money is already there when the bill arrives.
- Is there a monthly budget planner in Excel in rupees?
- Yes. After you fill in the planner, the Download button gives you a real Excel file (.xlsx) with your own figures in rupees, Indian digit grouping and every total as a formula, so it keeps working when you change a number. There is also a blank template with the same formulas. Both open in Excel, Google Sheets and on a phone.
- Does the 50/30/20 rule work for Indian families?
- As a starting point. It splits take-home pay into needs, wants and savings, but it says nothing about yearly bills, support to parents or school fees paid once a year — which is where Indian budgets usually break. Building the budget from your own lines, with yearly bills spread across the months, gives a savings rate you can actually hold to.
- How big should the emergency fund be?
- A common guideline is six months of essential spending — rent or EMI, food, bills, school, travel to work, domestic help, medicines, support to parents and insurance premiums. Eating out and shopping are left out, because they are the first to stop in a bad month. With irregular income, keep more. The planner works out the figure from your own lines.
- Is my budget saved or uploaded anywhere?
- No. Your figures stay in the page link and in this browser; nothing is uploaded and there is no sign-up. The Excel file is created on your own device.
Related guides
- Monthly expenses of a middle-class family in IndiaRent, school fees, groceries, help, insurance and parents. What a family of four actually spends in a metro versus a smaller city, line by line.
- Emergency में पैसे कहाँ से लाएँ?सात रास्ते हैं। कौन कितनी देर में पैसा देता है और साल भर में कितना महँगा पड़ता है - यही फ़र्क़ अक्सर हज़ारों रुपये का होता है।
- What is a good salary in India? An honest benchmark (2026)A 'good salary' in India isn't just the number — it's your city, your experience, and how much of it is actually in-hand. Here's the honest benchmark.
- पैसा डबल कैसे करें? Rule of 72 का पूरा सचपैसा दोगुना करने का आसान गणित 10 सेकंड में बता देता है कि कितने साल लगेंगे — और क्यों 6 महीने में डबल करने वाली हर स्कीम फ्रॉड है।