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IDFC FIRST Bulletin

Enjoy Zero Charges on 28 Commonly Used Savings Account Services

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Enjoy Zero Charges on 28 Commonly Used Savings Account Services

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Enjoy Zero Charges on 28 Commonly Used Savings Account Services

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Enjoy Zero Charges on 28 Commonly Used Savings Account Services

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Calculate your family budget FY 2025-26

Be the Finance minister of your own household!

The Union Budget decides how a country earns, spends, saves, and prepares for surprises. This year, try the same approach for your family.

Disclaimer

Step

1

Step

2

Step

3

Declare your Revenue

As the Finance Minister of your household, start by declaring what you earn.

Monthly Income (In Hand) ^*

₹

Other Income (rent, business profit, etc.)

₹

Total monthly income

₹1,00,000

Total yearly revenue ₹12,00,000

Disclaimer

Declare your Debt and Allocate Expenditure

Enter your loan EMIs and financial spends of the month

Your EMI commitments of the month

Ministry of Debt Repayment

Home loan EMI

₹

Credit Card Bill

₹

Other loan EMI

₹

20% of your monthly revenue is used for debt

Your personal & household expenses

Ministry of Home Affairs

Utilities and groceries

₹

Rent

₹

Other expenses

₹

35% of your monthly revenue is used for utilities

Your investments including gold, SIPs, etc.

Ministry of Future Development

Investments

₹

5% of your monthly revenue is used for investments

Your emergency fund

Ministry of Crisis Management

Funds

₹

5% of your monthly revenue is used for emergencies

You still have ₹20,000/- surplus this month

Your expenses are exceeding your income, please review the amounts and try again.

Disclaimer

Your Budget is Financially Well-balanced

Your finances are in control, with healthy savings and room to adapt.

Monthly Revenue

₹1,00,000

Expenses

₹20,000

Savings

₹80,000

Debt and needs

Yours: 55%

Ideal: 50%

Fixed financial obligations are consuming the majority of income, leaving insufficient room for savings.

Lifestyle

Yours: 35%

Ideal: 30%

Discretionary spending is sustainable and within the prudent range.

Savings

Yours: 10%

Ideal: 20%

Savings rate is moderate. Increasing allocation is necessary to outpace inflation and meet future goals.

Fix your budget with these:

Get high interest rates with interest credited monthly into your accounts

Open Savings Account Open Salary Account

Investment Services: Pitch 0% commission mutual funds.

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