Range
1M
3M
6M
1Y
Custom
Saved 21% · earned more than spent every month · Feb big-invest drew ₹1.96L from balance.
Income
₹38.20L
Expense
₹21.62L
Invested
₹8.32L
Saving
₹8.06L
Cashflow · 12m
Exp
Inv
Sav
In
Feb · big-invest month. Income covered expenses. ₹1.96L drawn from saved balance to invest more (not a deficit).
Where money went
Total
₹21.6L
- Housing30%
- Food15%
- Loan EMI14%
- Transport7%
- Other34%
Largest outflows · ≥ ₹25k
excl. invest
- 12 Feb · Advance tax · CBDT₹2.34L
- 30 May · Rent · Renu Joshi₹52k
- 28 Apr · Home loan EMI₹48.5k
- 18 May · HDFC Mediclaim₹38k
- 22 May · IMPS · K M MEHTA₹84k
- 15 Jan · School fee₹38.4k
- 04 May · LIC · §80C₹28.8k
Action items
- · ₹84k IMPS to K M MEHTA (22 May) — verify the category.
- · Feb · drew ₹1.96L from balance to fund extra invest + advance tax. Not a deficit — income covered expenses. Smoother advance tax across Q3 next AY would reduce balance dips.
- · Loan EMI ₹3.00L — verify §80C / §24(b) split in Tax Review.
- · 12 txns in 'Other' — tag to teach categoriser.
Reading this data
- · Income — salary, refunds, bank interest.
- · Expense — consumption, loan, tax, rent (excl. invest + family).
- · Saving — what's left after Expense + Invested.
- · ▼ Deficit — outflows > income; gap funded by redemptions / balance.