Calculator
Salary budget & investment allocator — same model as our Excel planner
Enter your monthly in-hand salary and choose Conservative, Balanced, or Aggressive. The planner splits salary into essentials, emergency savings, and investments — then breaks investments into equity, debt, commodities, crypto, and goal buckets using our workbook presets.
Percentages come from the planner presets (Conservative / Balanced / Aggressive). Amounts update instantly.
| Bucket | % of salary | Amount (₹) |
|---|---|---|
| Essentials / Needs | 55.00% | ₹19,250 |
| Emergency / Safety | 10.00% | ₹3,500 |
| Investments (total) | 35.00% | ₹12,250 |
| Check (should match salary) | 100.00% | ₹35,000 |
| Line item | % of investments | Amount (₹) |
|---|---|---|
| Equity | 60.00% | ₹7,350 |
| Debt | 30.00% | ₹3,675 |
| Commodities (Gold + Silver) | 8.00% | ₹980 |
| Crypto (optional) | 2.00% | ₹245 |
| Subtotal | 100.00% | ₹12,250 |
| Cap | % of equity | ₹ |
|---|---|---|
| Large cap | 60.00% | ₹4,410 |
| Mid cap | 30.00% | ₹2,205 |
| Small cap | 10.00% | ₹735 |
| Instrument | % of debt | ₹ |
|---|---|---|
| Liquid / Overnight | 30.00% | ₹1,103 |
| Short duration / TMF | 45.00% | ₹1,654 |
| Target maturity | 25.00% | ₹919 |
| % | ₹ | |
|---|---|---|
| Gold | 80.00% | ₹784 |
| Silver | 20.00% | ₹196 |
Crypto (full bucket): ₹245
| Goal | % of investments | Amount (₹) |
|---|---|---|
| Child education | 30.08% | ₹3,684 |
| Retirement | 30.08% | ₹3,684 |
| Home purchase | 11.28% | ₹1,382 |
| Vacation | 28.57% | ₹3,500 |
| Goals total | 100.00% | ₹12,250 |
This tool is for education and planning only, not financial advice. Presets match the Smart Wealth Hub Investment Planner workbook.