Student Life Stage.
Balance study & money.
Adjust your income, expenses, and education loan EMI – see your savings rate and get personalised tips to stay financially healthy while studying. 100% private, no data stored.
Our student story: Aarav & Nidhi
Real‑time student finances · Mumbai, IndiaHi, we’re Aarav (21, engineering student) and Nidhi (20, design student). We’re juggling part‑time work, studies, and education loans in Mumbai.
Right now, our monthly income is —. After expenses of — and an education loan EMI of —, we save — per month. That’s a savings rate of —.
We use the sliders to model different scenarios – for example, increasing part‑time work hours or cutting back on dining out. The Student Life Stage helps us build healthy financial habits before we start earning full‑time. We also track our actual income in the Income Wallet and expenses in the Expenses Wallet.
- Savings rate: Aim ≥10%. Yours is 0%.
- 💰 EMI burden: Keep EMI ≤40% of income. Your ratio is 0%.
- 📉 Expense control: Your expenses are 0% of income. Aim for <70%.
- 📊 50/30/20 rule: Needs: 0%, Wants: 0%, Savings: 0%.
- 🏦 Emergency fund: Start small – aim for ₹0 (≈1 month expenses).
- 📈 Start investing early: Even ₹500/mo in a SIP can grow to ~₹7.2L in 10 years.
- 🔒 Avoid credit card debt: Interest rates >30% can derail finances.
- 🎓 Education loan: Consider moratorium period – but interest accrues.
- 📅 Review monthly: Use INDwallet to track changes.
Age‑Based Financial Planning
Master your money at every life stage with India’s most practical guides (2026).
Financial Planning in Your 20s India (2026 Starter Guide)
Your highest‑leverage decade. Start right.
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Read →Retirement Planning India: When Should You Start?
The earlier you start, the smaller the monthly need.
Read →Money Planning for Students in India (2026 Guide)
Build healthy habits before you start earning full‑time.
Read →Money Planning for Families in India (2026 Strategy)
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Read →Frequently asked questions
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