Budgeting Guide #46: Monthly Budget Template for Indian Families (With 4 Variations)

 

Want to Control Your Family Expenses? Use These Ready-Made Budget Plans

Managing a family budget is tough — groceries, school fees, EMIs, emergencies. But with a simple template, you can control it all without confusion.

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📋 Budget Template #1: Salaried Middle-Class Family

For ₹50,000–₹80,000/month income

Category	%	Amount (₹50k income)
Rent/EMI	25%	₹12,500
Groceries	20%	₹10,000
Savings	15%	₹7,500
Child Education	10%	₹5,000
Utilities	10%	₹5,000
Medical/Health	5%	₹2,500
Personal/Other	15%	₹7,500

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📋 Budget Template #2: Joint Family (Parents + Kids)

• Allocate more to healthcare
• Add emergency buffer of ₹5,000–₹10,000/month
• Prioritize elder care expenses + LIC policies

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📋 Budget Template #3: Self-Employed Household

• Create a business vs home split
• Set monthly “salary” from your biz income
• Emergency fund = 6 months of family expenses

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📋 Budget Template #4: Newlywed Couple

• Focus on building assets
• Keep housing cost <25%
• Set 25% of income for future goals (car, home, child)

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✅ Conclusion

Don’t guess your way through family finance. Choose a template that fits your life stage — and review it monthly like a family meeting.

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