Track & Split
Budgeting and saving money
A budget is only useful if it survives contact with a real month: rent due on the 5th, a wedding in November, a phone that breaks at the worst moment. These guides are about budgets and saving habits that hold up in that month, written for how money actually moves in India — salary credits, UPI, EMIs and festival season.
Start with 15 ways to save money every month if you want quick wins, or build a monthly budget if you want a plan.
How to save money every month: 15 simple ways that actually work
15 practical ways to save money every month in India: pay yourself first on payday, plug UPI and subscription leaks, and spend less without feeling broke.
How to create a monthly budget you can actually follow
A step-by-step way to make a monthly budget that survives a real month: a worked ₹60,000 example, yearly bills turned monthly, and a weekly check-in.
The 50/30/20 budget rule: how to manage your monthly income
How the 50/30/20 rule splits take-home pay into needs, wants and savings, with ₹ examples from ₹25,000 to ₹1 lakh, a calculator, and when to adjust it.
How to reduce monthly expenses without changing your lifestyle
Lower your monthly bills without giving anything up: right-size phone, internet and OTT plans, cut electricity costs, avoid bank and card charges, renew smarter.
More topics
- Expense tracking — Finding where the money goes, keeping UPI and card spends visible, and tracking that lasts past week three.
- Splitting expenses — Dinners, trips and group plans: fair splits, clean records and settling up in as few payments as possible.
- Roommates & couples — Rent, utilities, groceries and shared budgets for people who share a home.
- Using Track & Split — What the app does, which banks it reads, and how tracking and splitting fit together.
A budget you can see, every day of the month
Set a monthly budget in Track & Split and watch spent and remaining update as your bank SMS come in.
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