How to
How to budget your salary
The secret to budgeting a salary is timing: decide where it goes on payday, before day-to-day spending decides for you.
Here's how to allocate a monthly salary well.
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Balance - Expense Tracker by Clarzen on Google Play
- 01
Budget on payday
The day your salary lands is when you plan it — assign it to categories before it starts leaking.
- 02
Cover needs and fixed costs first
Set aside rent, bills, EMIs and other essentials right away.
- 03
Automate or set aside savings
Move savings early in the month so they aren't just whatever survives to month-end.
- 04
Track the discretionary part
Watch the flexible spending closely, since that's where a salary usually slips.
Doing it with Balance
Balance is built for this rhythm: set your expected salary credit date, plan allocations around it, and track your spending against the plan all month — with a safe-to-spend widget on your home screen.
Frequently asked questions
How should I split my salary?
A common starting point is 50% needs, 30% wants, 20% savings — allocated on payday. Balance lets you plan around your salary date and track against those amounts.
Is Balance free?
Yes. Balance is free to download and use, with no ads. Everyday tracking — adding expenses, automatic capture, bills and subscriptions, accounts and CSV export — is free, and it isn't a trial that runs out.
Keep exploring
Track every expense. Ask anything.
Free to download, no ads, no bank login. Get Balance on Google Play and start tracking in minutes.
