Monthly budget calculator for Pakistan

How to use these numbers

Needs are what you cannot easily skip: rent, utilities, groceries, transport, school fees and loan payments. Wants are the things you choose, like eating out, shopping, subscriptions and trips. Savings are what you set aside before you spend on wants, including your emergency fund and committee payments.

The 50/30/20 split is a starting point. If your rent and school fees alone take 60 percent of your pay, set needs to 60 or 65, then lower wants first. Try 65, 20 and 15, or 60, 25 and 15, and see what the figures look like. Read the guide on the 50/30/20 rule on a Pakistani salary for worked examples.

What is next after you have a plan?

A plan only helps if you compare it with what actually happened. At the end of the month, upload your bank statement PDF and SpentStory sorts every expense into categories, so you can see whether you stayed within your numbers. If you want to build a fuller plan with rent, bills and school fees, follow the monthly household budget example, or read budget kaise banaye in Roman Urdu.

Frequently asked questions

What is the 50/30/20 rule?

It splits your take home pay into 50 percent for needs, 30 percent for wants and 20 percent for saving or paying off debt. It is a starting guide, and you should adjust it when rent, school fees or family support are large.

Should I enter my salary before or after tax?

Use the amount that actually reaches your account, after tax and deductions.

What if my needs are more than 50 percent?

That is common in Pakistan when rent or school fees are high. Keep needs as they are, then shrink wants first and protect a smaller saving amount, even 5 or 10 percent.

Does this calculator save or send my numbers?

No. The calculation runs in your browser and nothing you type is stored or sent anywhere.