See how quickly your salary gets consumed by rent, bills, subscriptions, food, transport, EMIs, and daily spending.
Find your salary survival date before the month ends. Calculate your fixed monthly burn, daily burn rate, safe daily spending limit, savings gap, and category breakdown.
Audit console
Salary survival scan
Manual audit
Enter every major outflow. We will expose your survival date, safe daily limit, and the exact categories draining your salary.
Your take-home after tax and PF deductions.
Non-negotiable roof over your head.
All loan repayments combined.
Electricity, water, gas, broadband, mobile.
OTT, SaaS, gym, news — everything recurring.
Cooking at home plus monthly groceries.
Petrol, diesel, metro, cabs, bike maintenance.
Money sent home or dependent care.
Chai, impulse buys, auto-rickshaw extras.
The amount you want left over every month.
Burn reveal
Your salary gets tight around day 27 of the month. Safe daily limit is ₹150.
Category breakdown
Copy the burn rate result or send it on WhatsApp.
Actionable insight
₹15,000/month · 27% of burn
₹15,000/month · 27% of burn
₹8,000/month · 14% of burn
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Most people in India feel salary pressure around the third week of the month. This is not because the salary is too low, but because the burn rate is invisible until it is too late.
Knowing your survival date changes behaviour. It turns vague anxiety into a specific number you can act on before the month slips away.
Know the exact day your salary starts feeling tight.
Spend within a daily guardrail after fixed costs.
See if your target is realistic or needs adjustment.
Focus on the biggest percentage drains first.
FAQ
It is the speed at which your monthly income gets consumed by fixed costs, daily spending, and discretionary purchases. Knowing it turns vague anxiety into a specific survival date you can act on.
Add every fixed cost — rent, EMIs, bills, subscriptions, food, transport, family support. Add daily variable spending multiplied by 30. Divide your total salary by your daily burn to get your survival day.
It is the daily guardrail left after fixed costs and savings are removed from your salary. Calculated as (salary - fixed costs - savings target) / 30. Stay under it and you reach month-end stress-free.
Attack the top three categories by percentage first. Negotiate rent, cut subscriptions, and batch-cook to reduce food delivery. Add a 24-hour pause rule for non-essential purchases above ₹500.
Absolutely. Fixed expenses are predictable, recurring, and usually the largest part of your burn. Once they are documented, you know exactly how much room you have for variables and savings.
Because daily variable spending is invisible until it accumulates. A ₹250 chai and snack habit becomes ₹7,500 a month. The burn rate calculator exposes these leaks so you can fix them before the 25th.