Smart Finance Utility

Smart Personal Budget Planner

Take control of your finances with the 50/30/20 rule and live expense tracking for .

₹

NEEDS (Target 50%)

WANTS (Target 30%)

SAVINGS & DEBT (Target 20%)

₹-

Remaining

₹-

Total Spent

-

Savings %

Needs Analysis0%
Wants Analysis0%

Status: Analyzing...

Precision Logic ( Edition)

OTechy Personal Budget Planner is a high-authority financial management utility optimized for the economic landscape. Utilizing the world-renowned 50/30/20 budgeting framework, it provides real-time analysis of income allocation across essentials, lifestyle choices, and wealth building.

How to Use the OTechy Budget Planner

  • 1 Enter Income: Input your monthly take-home salary. Live commas ensure magnitude accuracy.
  • 2 Categorize Costs: List expenses under Needs, Wants, and Savings to see the bars update live.
  • 3 Export PDF: Click "Save PDF" to download your balanced financial roadmap.

What is the 50/30/20 Budgeting Rule?

The 50/30/20 rule is a powerful guide for personal finance in . It suggests allocating 50% of income to Needs, 30% to Wants, and 20% to Savings/Debt Payoff. This balance ensures you live comfortably while securing your future.

Frequently Asked Questions

Is my data private? Yes. All OTechy tools process data locally in your browser. No data is stored on servers.
Can I use any currency? Absolutely. The tool is currency-neutral and works with any numeric unit.
What if my Needs exceed 50%? The tool will alert you. Focus on reducing fixed costs or increasing income to rebalance.
Does "Savings" include debt? Yes. High-interest debt payoff is considered a contribution to your net worth.