Tools / Money
First Salary Planner: What Is Left This Month
Short answer. Start with your first take-home pay and subtract rent, family support, SIP, bills and one-time costs; what remains is what is left, and dividing by 30 gives a daily figure. Example: ₹45,000 less ₹29,000 leaves ₹16,000, about ₹533 a day. In Kubear you record your salary and bills and see what is left this month.
When people use this
This calculator is for the first month of a salary. You type your first take-home and what is already set aside or due, and it shows what is left for the month and per day.
It shows facts about the numbers you type. It does not pick amounts for you.
The calculation is plain, repeatable arithmetic on the numbers you type. It runs in your browser, so the figures you enter are not sent to a server by this tool. Results are illustrations from the numbers you enter, not financial, tax or investment advice.
What you enter
- First monthly take-home
- Rent or PG
- Family support
- Monthly SIP or savings
- Monthly bills and subscriptions
- One-time cost this month
How it works
Set aside or due = rent + family support + SIP or savings + bills + one-time costs. Left for the month = first take-home − set aside or due. Per day = left ÷ 30, rounded down to whole rupees.
One-time costs, such as a deposit or brokerage, only count in the month you type them. A later month will not have them, so you can set that box to zero when you try another month.
If what is set aside is more than the salary, the left amount is shown as a negative number so the gap is visible.
Assumptions
- Only the amounts you type are counted. Food, travel and shopping are not guessed, so they come out of what is left.
- A month is taken as 30 days.
- A SIP or savings amount is shown as money set aside. It is not counted as spent.
- This shows one month only.
Worked examples
Two examples.
₹45,000 first take-home
Inputs
- First monthly take-home: ₹45,000
- Rent or PG: ₹15,000
- Family support: ₹5,000
- Monthly SIP or savings: ₹3,000
- Monthly bills and subscriptions: ₹6,000
- One-time cost this month: ₹0
Result
- Left from your first salary this month: ₹16,000
- Set aside or due: ₹29,000 · 64%
- Left per day (30 days): ₹533
- Left as share of salary: 36%
₹32,000 with one-time costs
Inputs
- First monthly take-home: ₹32,000
- Rent or PG: ₹12,000
- Family support: ₹4,000
- Monthly SIP or savings: ₹2,000
- Monthly bills and subscriptions: ₹4,500
- One-time cost this month: ₹15,000
Result
- Left from your first salary this month: −₹5,500
- Set aside or due: ₹37,500 · 117%
- Left per day (30 days): −₹183
- Left as share of salary: −17%
These are illustrations with the example inputs shown, not predictions or advice. Change the inputs on the calculator to see your own figures.
Questions
About this calculator.
01What is counted as a one-time cost?
Anything that will not repeat next month, such as a rent deposit, brokerage, travel to the new city or furniture. It is subtracted only from this month.
02Is the SIP amount counted as spent?
No. It is shown as money set aside. It reduces the amount left for the month but it is not an expense.
03Which salary figure do I enter?
The amount that reaches your bank account after tax and PF. If your first month is part-paid, enter what you actually receive.
04Does it tell me how much to save or send home?
No. You type every amount. The calculator only adds, subtracts and divides, and shows the result under the numbers you entered.
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