Manage your money smartly
Total Income
₹80,000
Total Expenses
₹83,000
Deficit
₹3,000
Your current status
⚠️ Expenses exceed income!
You are in a deficit of ₹3,000 every month. Immediate action is needed.
To improve your situation
Loan Consolidation
Consolidate all loans into one with lower interest rate
Prepayment
Lump sum prepayment of ₹50,000
Reduce Entertainment Spend
Reduce current ₹6000 to ₹3,500
Optimize Transport Spend
Use carpooling or public transport
Review Other Expenses
Cancel unnecessary subscriptions
Start Side Income
Freelancing or part-time work
Skill Development
Learn new skills and career growth
Grow your savings
Insufficient Savings for Investment
Reduce expenses or increase income first
Become debt-free sooner
Not enough savings for prepayment
50% on Needs, 30% on Wants, 20% on Savings