Not a blank template you fill in hopefully. Hisaab starts from your real numbers, splits the month into must-pays, spending money and savings, and tells you the moment the plan slips.
Your tracked income and spending become the first draft of the plan — nothing to guess.
Decide how much of the month goes to savings. Must-pays and spending money adjust around it.
Spending is checked against the plan as it happens, so you adjust in week two, not on the 30th.
A budget written from memory is a wish. Real life has a car service, a wedding gift and a doubled electricity bill in it, and none of those were in the neat template.
Because Hisaab already knows what you spent the last few months, the plan starts realistic — and when something unusual lands, you see the effect on the rest of the month straight away.
Start with the bills that don't move — rent, school, loan payments, the people you pay every day. What's left splits two ways: money you're allowed to spend without guilt, and savings that leave first like any other bill. One slider in the planner sets that split, and everything else adjusts around it.
The difference from a spreadsheet: the plan stays live. Every expense you log is checked against it as it happens, so a heavy week shows up as a warning, not a surprise on the last day of the month.
Set the savings share first and treat it like a bill. What's left is genuinely yours to spend with no guilt attached. That one reordering does more for most people than any amount of cutting back. The safety-net check tells you how many months you could survive with no income — and watching that number climb is the best motivation there is.
Share a household and everyone's contributions and spending count towards the same plan, while each person keeps their own detail private unless they choose to share it. One plan, no arguments about who spent what.
The year-ahead projection puts insurance renewals, school terms, festivals and annual fees on the map before they arrive. Big months stop being ambushes and start being entries you already budgeted for.
The honest answer depends on your safety net — here's how to find yours.
ReadA practical number, and how to reach it without suffering.
ReadWhere the pay cheque actually goes — and how to keep more of it.
ReadStart from what you really spent in recent months, not what you wish you spent. Hisaab builds the first draft of your budget from your tracked income and expenses, then you adjust one slider for savings. A realistic plan you can keep beats a perfect plan you abandon by week two.
The 50/30/20 rule (needs, wants, savings) is a fine starting point, but the right split depends on your rent, your city and your debts. Hisaab shows your actual current split first, then lets you move it gradually instead of forcing a formula.
Yes. Invite them to a household and their income and spending count towards the shared plan, while each person's individual entries stay private unless they choose to share them.
Yes. The year-ahead view projects known big months before they arrive, so annual costs are spread into the plan instead of ambushing a single month.
You get 14 days of the full app free — card details are taken at checkout but nothing is charged until day 15, and cancelling takes two taps.