How to calculate it
Take your take-home salary. Subtract fixed bills such as rent, EMIs, utilities and subscriptions. Subtract the spending you have planned and the amount you set aside for savings. The result is the money left.
For example, a salary of ₹60,000 minus ₹28,000 of bills, ₹17,000 of planned spending and ₹10,000 of savings leaves ₹5,000 for the rest of the month.
Why it matters more than the bank balance
A bank balance can look healthy on salary day, even when several bills are still due. Money left is calculated from what is committed, so it shows the real room in the month.
What to do if it is negative
If money left is below zero, the plan is more than your salary. Look at the largest fixed cost first, then the biggest variable category. Make one change and check the figure again.
- Salary minus fixed bills
- Minus planned spending and savings
- The result is money left
- Plan the rest of the month from this figure
Questions people ask
Is money left the same as disposable income?
They are close. Disposable income is usually income after tax and fixed costs. Money left in budgetbaba also counts planned spending and savings.
Where can I see money left in the app?
On the dashboard, as Money left for you, with a short line that explains it.
Does budgetbaba count card bills?
Yes. Card bills and card purchases are included in the monthly totals.