Compare your monthly income, expenses and savings goal in Pakistani rupees. The budget breakdown updates from your inputs; optional AI suggestions require an available AI service.
Enter your monthly take-home salary and any side income in Pakistani rupees, then your spending on housing, food, transport, utilities, education, medical costs and other expenses. Add a savings target and a deadline in months. The budget panels update without an AI response: available income is total income minus expenses, and the monthly amount needed is the target divided by months. The page does not calculate taxes or convert currencies.
The 50/30/20 rule assumes rent is a modest share of income and that utilities are predictable. For most households neither holds: housing can swallow a third or more of take-home pay, electricity bills swing hard with the season, and school fees arrive in lumps rather than smooth monthly instalments. The planner works from the numbers you actually enter, so the split you get reflects your real cost of living instead of an imported average.
Use your take-home figure, not your gross salary. Average irregular costs — fees, insurance, maintenance — across twelve months so they do not ambush you. Include debt repayments as a fixed expense. If the score comes back low, try re-running with a longer goal deadline first: stretching a target over eighteen months instead of twelve is usually more realistic than cutting essentials.
The planner is free, needs no signup, and nothing you type is saved to an account. Figures are used only to generate your plan. Treat the output as general guidance rather than regulated financial advice — for tax filing or investment decisions, confirm with a qualified professional.