Student-to-job budget in 30 minutes

A starter split (adjust to your city)

- Needs (rent, food, commute, utilities): aim under ~50–60% of take-home

- Obligations (EMIs, family support): keep visible and capped

- Growth (courses, certifications): fixed monthly line, not leftover scraps

- Buffer + savings: automate even ₹1,000–₹2,000 if that is what fits

Workflow

1. Estimate take-home with the salary calculator
2. List fixed costs honestly for one month
3. Whatever remains is not “fun money” until buffer and EMIs are planned

Visit the Students hub for all free tools in one place.

Educational only — not financial advice.