Pocketools

Money Bucket Planner

Split your monthly income into buckets — basics, lifestyle, wellness, trips, savings — and see each one in rupees.

Budgeting Runs in your browser
Monthly income

What actually reaches your bank account, after tax and PF.

Buckets

Start from

    Your budget

    Enter your monthly income

    Each bucket’s monthly and yearly amount, a split of your income and tips on balancing it appear here.

    Runs entirely in your browser. Your data isn't uploaded — this page makes no network request with anything you type or upload, which you can verify in your browser's network tab. How this works.

    What is the Money Bucket Planner?

    A money bucket planner splits your monthly take-home pay into buckets, each with one job: basics like rent and groceries, savings and investing, an emergency fund, lifestyle and luxury, wellness, trips and travel, and giving. Instead of tracking every rupee after it is spent, you decide up front how much each part of your life gets — and anything inside a bucket is guilt-free to spend.

    Start from a ready-made split — the seven-bucket plan, the classic 50/30/20 rule or an aggressive saver plan — then rename buckets, change the percentages, set fixed rupee amounts for things like rent, or add buckets of your own. The planner shows each bucket in rupees a month and a year, flags money that has no bucket or a plan that spends more than you earn, and gives plain tips on balancing it. Your buckets are remembered in this browser only; nothing is uploaded.

    How to use it

    1. Enter your monthly take-home pay — what actually reaches your bank account.
    2. Pick a starting point: Money buckets, 50/30/20 or Aggressive saver.
    3. Rename, add or remove buckets, and set each one as a percentage or a fixed ₹ amount.
    4. Adjust until the total reads 100% — every rupee has a job.
    5. On payday, move each bucket’s amount to its own account, card or RD; press Copy for a summary.

    Example

    The seven-bucket plan on a ₹75,000 monthly take-home salary.

    Income
    Take-home pay:  ₹75,000 a month
Preset:         Money buckets
    Buckets
    Basics (50%):               ₹37,500 a month
Savings & investing (20%):  ₹15,000 a month
Emergency fund (5%):        ₹3,750 a month
Lifestyle & luxury (10%):   ₹7,500 a month
Wellness (5%):              ₹3,750 a month
Trips & travel (5%):        ₹3,750 a month  (₹45,000 a year)
Giving & gifts (5%):        ₹3,750 a month

    Features

    • Seven-bucket preset: basics, savings, emergency, lifestyle, wellness, trips and giving
    • 50/30/20 and aggressive-saver presets
    • Add, rename and remove buckets; up to twenty
    • Each bucket as a percentage of income or a fixed rupee amount
    • Running total that warns about unassigned or over-allocated money
    • Monthly and yearly amount for every bucket, with a colour-coded split
    • Plain-language tips when basics run high or savings run low
    • Your plan is saved in this browser only — never uploaded

    Frequently asked questions

    What is the money bucket method?
    It is a way of budgeting where your income is divided into separate pots, or buckets, as soon as it arrives — one for essentials, one for savings, one for fun, one for the next trip and so on. Many people keep each bucket in a separate account or sub-account so it cannot quietly be spent on something else. When a bucket is empty, that kind of spending waits until next month.
    What is the 50/30/20 rule?
    It suggests spending 50% of take-home pay on needs (housing, food, bills, minimum loan payments), 30% on wants (eating out, shopping, holidays) and saving 20%. It is a starting point, not a law — in an expensive city your needs may take 60%, and early in a career you may be able to save far more.
    How much should go into savings?
    A common guide is at least 20% of take-home pay across savings, investments and your emergency fund, and more if you can. The single most effective habit is to make the transfer automatic on payday, so you save first and spend what is left, rather than saving whatever happens to remain at the end of the month.
    Why have separate buckets for trips and wellness?
    Big but predictable costs — a holiday, a gym membership, a health insurance renewal, Diwali gifts — wreck a budget when they arrive all at once. Putting a little aside for each every month turns them into planned spending, so the trip is already paid for when you book it.
    Where is my budget stored?
    Only in your own browser’s local storage, so it is there when you come back on the same device. It is never sent to a server. Clearing your browser data or pressing Reset removes it.
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