A monthly budget does not need spreadsheets or complicated rules. Start with what you actually earn and spend, then adjust week by week.
1. List fixed costs first
Rent, EMIs, school fees, subscriptions, and utilities usually repeat every month. Add them up before you plan discretionary spending.
2. Set category limits
Group the rest into groceries, transport, dining out, and savings. Assign a rupee cap per category—not because you must hit it exactly, but so you notice when you drift.
Pocket Money supports INR by default with lakhs and crores formatting, and you can switch among 17 currencies if you travel or earn abroad.
3. Log as you go
Entering a ₹120 auto ride or a ₹450 coffee takes seconds. Small logs beat a perfect plan you never update. Streaks and alerts can nudge you if you forget a day.
4. Review on Sunday
Once a week, open your insights: which category burned fastest? Did income cover fixed costs? Move leftover rupees to savings or next month's buffer.
Budgets work when they are visible. A five-minute weekly check beats a yearly regret.