How Finance Guide Works — India's Free Budget Calculator
From salary input to a complete personalised budget plan in under 2 minutes. No sign-up. No financial jargon. Built for Indian households.
6 Simple Steps
Enter your details
Tell us your monthly salary, city, family size, housing situation, and a few other lifestyle details. It takes less than 2 minutes and no account is needed.
We calculate your budget
Our weighted allocation algorithm distributes 100% of your salary across essential categories — rent, food, savings, transport, and more — based on your exact situation.
Get your personalized breakdown
See exactly how much to spend in each category, with percentages of your income shown clearly. No guesswork, no generic advice.
Discover Government Schemes
Our AI matcher instantly scans Indian government schemes (like PMJDY, PMAY, SSY) and shows you exactly what you qualify for based on your profile.
Set Risk-Adjusted Goals
Plan your financial future with our smart savings goal setter. Choose between Safe, Moderate, or Aggressive investment profiles tailored to your monthly budget.
Talk to your AI Financial Coach
Ask questions about your budget in plain language. Our AI coach explains what each number means, flags risky spending, and gives one actionable tip every time.
Get your 6-Month Escape Roadmap
The AI generates a step-by-step monthly plan to build savings, reduce debt, and reach financial stability — all based on your real salary and city costs.
Download your plan as PDF
Export your entire budget plan — including the AI summary and roadmap — as a beautifully designed PDF you can save, print, or share.
Why Finance Guide?
100% Free
No subscriptions, no hidden fees, no account required. Finance Guide is completely free to use for everyone.
Built for India
Unlike generic Western finance tools, our budget logic is calibrated for Indian cities, salaries, and cost-of-living realities.
Designed for Beginners
No financial jargon. Every number is explained in plain language. Perfect for anyone managing money for the first time.
Privacy First
We never store your personal or salary data. Everything is calculated in your browser and immediately discarded.
Ready to plan your finances?
It is free, fast, and built for people just like you.
Get Your Free Budget Plan