Plan the month
Track income, spending, and what is still pending to pay.
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Expenses
Separate inflow, spending, and amounts set aside so a savings rate means something you can repeat.
How to calculate your savings rateTrack income, spending, and what is still pending to pay.
Keep everyday costs apart from money marked for saving or investing.
Completed savings lines can count toward a Goal Manager target.
Practical guide
A Bengaluru household learns why salary day feels easy and month-end feels tight, and how one consistent way of labelling money turns the month into a number they can repeat.
11 min readMoney set aside in a period divided by money that came in during that period, using the same labelling rules each time.