You saved 21% of your income this year. Every month, you spent less than you earned. One month (Feb) you invested more than usual and dipped into your savings to do it.
Income
₹38.20L
Salary · refunds · interest
Expense
₹21.62L
Rent · groceries · loans · tax
Invested
₹8.32L
SIPs, ELSS, broker top-ups — money put into investments
Saving
₹8.06L
Saved every month · Feb drew ₹1.96L from balance to invest more
Where your money went each month vs what you earned
Expense
Invested
Saving
Income
▲ drew from balance to invest
Feb · big-invest month. Income ₹3.20L still covered ₹2.34L of expenses (no deficit). You then chose to invest ₹2.82L — ₹86k from this month's surplus + ₹1.96L drawn from your saved balance.
Where money went
Total
₹21.62L
- Housing₹6.50L · 30%
- Food & groceries₹3.20L · 15%
- Loan EMI₹3.00L · 14%
- Transport₹1.50L · 7%
- Tax₹80.0k · 4%
- Subscriptions₹78.0k · 4%
- Health₹60.0k · 3%
- Other₹5.24L · 24%
10 largest single outflows · this AY (≥ ₹25,000)
excludes investments & family transfers
| Date | Merchant | Category | Amount |
|---|---|---|---|
| 12 Feb | Advance tax · CBDT | Tax | ₹2.34L |
| 30 May | Rent · Renu Joshi | Housing | ₹52,000 |
| 28 Apr | Home loan EMI · HDFC | Loan | ₹48,500 |
| 18 May | HDFC Mediclaim premium | §80D | ₹38,000 |
| 22 May | IMPS · K M MEHTA | Uncategorised | ₹84,000 |
| 15 Jan | School fee · Vidya Niketan | §80C · Edu | ₹38,400 |
| 04 May | NEFT · LIC of India | §80C | ₹28,800 |
| 09 Dec | DMart Ready · grocery | Food | ₹26,200 |