Sankalp — Goals, mapped to months

Every rupee of income, accounted for.

Goals

Ordered by priority. When money is tight, the ones on top are funded first.

Where the money sits, month by month, until the last goal closes.

The dates worth marking.

What to move, and where, each month.

Move a number. Watch the plan bend. Nothing is saved until you say so.

Monthly income

Monthly expenses

Expected return

Where the money sits while it waits — savings account, FD, or index funds.

If your spending settled at each of these levels, here's the plan that survives.