Paisa Kahan Gaya? – Salary & Expense Calculator
Ever wondered where your monthly salary goes? The Paisa Kahan Gaya? salary and expense calculator helps you understand your monthly spending, loan payments, rent burden, emergency savings, and insurance coverage. Enter your income and expenses to get an illustrative financial health score and explore a possible 10-year savings estimate.
This free monthly expense calculator is designed to help you review your budget and identify areas where you may be able to save. The results are estimates based on the details you enter, not professional financial advice.
Want to simplify your everyday calculations? Explore our Free Online Calculators to calculate EMIs, FD returns, recurring deposits, percentages, and more—all in one place.
Paisa Kahan Gaya? — Where Did My Salary Go?
Enter these 7 details to see an illustrative financial health score, a spending chart and a 10-year savings estimate. This calculator does not send your entries to a server.
Where your salary went
A shortfall means the expenses you entered exceed your monthly income.
What made up your score
This is an illustrative score using simple rules. It is not an official credit score or financial assessment.
What you could consider next
Where you could be in 10 years
Hypothetical estimates using a 10% annual return compounded monthly. Returns are not guaranteed and may be negative. Fees, taxes and inflation can reduce outcomes. The target scenario assumes you can free up the stated monthly amount.
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For education only, not personalised financial, tax, insurance or investment advice. Verify current rules and product terms before making decisions.
How to Use the Paisa Kahan Gaya? Calculator
- Enter your monthly salary: Use your take-home income after deductions.
- Choose your city type: Select the option that best matches your location.
- Add your rent and EMIs: Enter your monthly housing rent and total loan instalments.
- Enter other expenses: Include groceries, electricity bills, school fees, travel, and other regular costs.
- Select your emergency fund and insurance: Choose the options that match your current situation.
- Check your score: Review your spending chart, financial health score, and estimated savings projections.
How Your Score Is Calculated
Your score is out of 100 and is made up of five parts:
| Factor | Points | Full points when |
|---|---|---|
| Savings | 35 | You save 30% or more of your salary |
| EMI burden | 20 | Your EMIs are 20% of salary or less |
| Emergency fund | 20 | You have 6 months of expenses saved |
| Rent burden | 15 | Your rent is within the limit for your city type |
| Insurance | 10 | You have both health and term insurance |
The rent limit is 35% of salary for metro cities, 30% for large cities and 25% for small cities and towns.
Score guide:
- 75 and above: Your finances look strong.
- 50 to 74: You are doing okay, with room to improve.
- Below 50: Your money needs attention.
This scoring is our own simple model, based on common money-management rules of thumb. It is not an official or bank-approved score, and it does not replace advice from a qualified financial advisor.
Why These Numbers Matter
Savings rate: Saving around 20-30% of your income gives you room for goals and surprises. Even a smaller amount helps if you start early and increase it as your salary grows.
Emergency fund: Job loss or a medical bill can arrive without warning. A fund of about 6 months of expenses stops you from taking expensive loans in a crisis.
EMI burden: When EMIs take up too much of your salary, there is little left to save. Keeping them below 40% of income is a safer approach.
Insurance: One serious illness can wipe out years of savings. Health insurance, and term insurance if your family depends on your income, protect everything else you build.
The 10-Year Projection Explained
The tool shows two paths:
- If nothing changes: you keep investing what is left each month, with no increase.
- If you follow the plan: you start at 20% of your salary (or more, if you already save more) and raise the amount by 10% every year.
Both assume a 10% yearly return. Real returns can be higher or lower and are never guaranteed, so treat this as a motivation tool, not a promise.
Important Disclaimer
The financial health score is illustrative and is not an official credit score or a professional financial assessment. The 10-year savings projections use hypothetical returns, which are not guaranteed. Actual investment results may vary because of market performance, fees, taxes, and inflation. Review your personal circumstances before making financial decisions.
For reliable guidance on managing money, budgeting, and financial planning, visit the official Consumer Financial Protection Bureau website for practical educational resources.
Frequently Asked Questions
1. What is the Paisa Kahan Gaya? calculator?
The Paisa Kahan Gaya? calculator is a free budgeting tool that helps you review your monthly salary, rent, loan EMIs, other expenses, emergency fund, and insurance coverage.
2. How does the salary and expense calculator work?
Enter your monthly take-home salary and expenses. The calculator estimates your remaining balance or monthly shortfall and provides an illustrative financial health score.
3. Is the financial health score an official credit score?
No. The score is based on simple budgeting rules and is for general guidance only. It is not a credit score, credit report, or professional financial assessment.
4. How much of my salary should I save each month?
The right amount depends on your income, essential expenses, debts, and family responsibilities. Start with an affordable amount and increase it gradually when your budget allows.
5. How much emergency savings should I have?
A common guideline is to build an emergency fund covering three to six months of essential expenses. Your suitable target may vary depending on income stability, dependants, and other needs.
6. Are the 10-year savings estimates guaranteed?
No. The estimates use hypothetical investment returns to illustrate how regular contributions may grow. Actual returns can be higher or lower, and fees, taxes, and inflation can affect the final value.
7. Does this calculator provide financial or investment advice?
No. It provides general educational estimates. Consider your own circumstances and consult a qualified financial professional if you need personalised advice.