Budgeting Methods Compared: Which One Survives a Bad Month
I build this site's budget calculators and run a seasonal business. 50/30/20, zero-based, envelope and conscious spending budgets, compared in rupees.
Practical money and business systems for India.
Guides, calculators and templates for households, creators and small businesses — checked against official sources, with the business guides drawn from running our family rice mill near Kashipur.
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Six money pillars — from your first budget to GST for a small business. Start with the fundamentals, then go as deep as you need.
Wealth32 guidesMutual funds, PPF, NPS, gold and retirement, worked out numbers first, including for income that arrives by season.Budget16 guidesBudgets sized for the lean month, not the best one: emergency funds, sinking funds and a spending audit.Credit19 guidesCards, loans, CIBIL and the Kisan Credit Card, from a business that borrows from a bank and gives farmers credit until harvest.Taxes25 guidesIncome tax for salaried people, freelancers and owners: regimes, TDS, advance tax and ITR forms, with the section behind each rule.Systems43 guidesTrackers, reviews and document systems, kept the way our mill keeps its books: every figure matched against its source.Business68 guidesGST, cash credit, licences and cash flow for small businesses, written from the office of our family rice mill near Kashipur.
Calculator Desk
Calculate — use calculators to compare assumptions before making a decision. Every calculator shows its formula and a worked example, so it teaches as it computes.
EMI CalculatorMonthly EMI, total interest, and total cost for any loan.Open →SIP CalculatorProjected maturity value and gains from a monthly SIP.Open →Income Tax CalculatorEstimate income tax under the new vs old regime, FY 2026-27 (verify final figures with the e-filing portal).Open →Monthly Budget CalculatorSee your monthly surplus, total expenses and savings rate.Open →50/30/20 Budget CalculatorRecommended vs actual needs/wants/savings, with a budget health estimate.Open →Net Worth CalculatorTotal assets minus total liabilities — your real scorecard.Open →
Calculators are educational estimates and may not match lender, tax, or professional calculations. Rules and rates change — verify current figures with the official source before you decide.
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How it works
Every guide here is chosen, checked and published by me, from the office of our family rice mill near Kashipur in Uttarakhand, and the business guides draw on running it: its working capital, its borrowing, and the credit it gives farmers until harvest. How these guides are made →
Three layers. 203 guides explain a decision across six pillars. 32 calculators test it on your own numbers, each with its formula, a worked example and its assumptions. 39 spreadsheet templates — 21 of them free — turn it into a routine you keep.
Kept current. Every guide lists its sources and the date it was last updated, and tax guides give section numbers under the Income-tax Act, 2025. You can report a mistake through the corrections page, and the editorial policy sets out how guides are written and checked.
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Who runs this
I build businesses and digital products that make complex work simpler. From agribusiness and real estate to financial education, calculators and productivity tools, I build systems grounded in real operating experience.
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