Remittance planner
Split the money you send home across eight purposes before it arrives. It will not let the split exceed the money, and it shows what is left unallocated.
Of the रू 40,000 that arrives, रू 39,200 has a named purpose and रू 800 does not.
The percentages here are not rules. The right split depends on the interest on your debt, how many people the money feeds, and how long the contract is.
| Purpose | Amount | Share | Commonly |
|---|---|---|---|
| Household | 18,000 | 45.0% | Food, power, medicine, rent — what it actually costs. Usually the largest share. |
| Emergency fund | 4,000 | 10.0% | Illness, a forced return, lost work — until three to six months of household costs are set aside. Most leave this at zero; that is the expensive choice. |
| Debt repayment | 6,000 | 15.0% | Expensive debt first — moneylender, agent. The higher the interest, the larger this should be. |
| Insurance / SSF | 2,000 | 5.0% | Life insurance or the Social Security Fund. Small, regular, and not optional. |
| Education | 4,000 | 10.0% | School fees, books, tuition — or your own training. |
| Short-term goals | 2,000 | 5.0% | Within one to three years: repairs, a wedding, a motorbike. It only accumulates if it is named and set apart. |
| Investment / SIP | 2,000 | 5.0% | Only after expensive debt is gone and the emergency fund exists. Before that, investing here is paying interest to invest. |
| Personal allowance | 1,200 | 3.0% | The sender's own — phone, a day off. A plan with zero here is a plan nobody keeps. |
- Give the रू 800 a name — even "emergency" — or it will be spent without one.
- You are investing while still repaying debt. If that debt costs more than the investment earns — it usually does — clearing it first is the better return.
- Tell the person receiving it the split, in these words. A plan only the sender knows is not a plan.
- The amount is what actually lands in the account, after transfer fees and exchange.
- Nothing here earns or costs anything over time — this is a split, not a projection.
- Guidance in the notes reflects what commonly works; none of it is enforced.
A worked example
The form starts with these figures (in NPR) so you can see how it works before typing your own. They are made up — nobody's real numbers appear here.
Questions people ask
Is there a correct percentage for each?
No. A family with a moneylender at 24% should put far more into debt and nothing into investment until it is gone. A family with no debt and a child starting school looks completely different. The notes say what is common; you decide.
Why does it show "unallocated"?
Because the money with no name is the money that disappears. Showing it is the whole point — it is not an error, but it is worth a name.
Percent or amount?
Percent scales when more or less arrives. Amount is easier to say to the person receiving it. Either works; the page just refuses a split larger than the money.
Who should see this split?
The person receiving the money. A plan only the sender knows is not a plan.
Do you keep what I type here?
No. The figures are used to work out the answer and are not stored, and never appear in the page address.
These are estimates. The figures depend entirely on the numbers you enter and on assumptions that are listed on every result. They are not financial advice, and a bank, employer or authority may use different rules. Check anything important with them before you decide.
We do not keep your figures. Salary, debt and savings you type here are used to work out the answer and are not stored, and never appear in the page address. The only thing remembered is your country and language choice (a small cookie), so the currency can be suggested next time — never a figure you typed. Anonymous counters record that a calculation happened, not what it was.