What is a healthy savings rate for Indian households?

Aim for a minimum of 20%. Households saving 30% or more are considered 'Financial High Performers' on the path to early independence.

How to track small cash/UPI expenses?

Group small spends into a 'Miscellaneous' bucket. In 2026, UPI apps often provide auto-categorization, which you can plug into this tracker for a holistic view.

Monthly Budget Tracker

Comprehensive monthly ledger to track actual spending vs planned targets across needs, wants, and savings.

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Quick Summary: Monthly Budget Tracker

A monthly budget tracker helps you visualize your cashflow 'leakage'. For a ₹1 Lakh income, if your 'Wants' exceed ₹30,000, you are sacrificing future wealth. Use Trezoriq's tracker to categorize UPI spends and stay within your financial lane.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.