Joint FamilyFamily size 8PRO layer available

Joint Family Budget

This template is structured for household survival first: core groceries, controlled utilities, school fees when needed, and enough discipline to keep at least one buffer alive.

Salary Target

PKR 150,000

Allocated

PKR 150,000

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Free breakdown

Category allocation

Cached after first generation

Atta

14.93% of the monthly plan

PKR 22,400

Ghee

7% of the monthly plan

PKR 10,500

Sugar

3.53% of the monthly plan

PKR 5,300

Electricity (Protected Slab Estimate)

9.67% of the monthly plan

PKR 14,500

Gas

4.4% of the monthly plan

PKR 6,600

Daal, Sabzi, And Kitchen Basics

20.2% of the monthly plan

PKR 30,300

Transport

7.87% of the monthly plan

PKR 11,800

Medicine And Emergencies

6.13% of the monthly plan

PKR 9,200

Mobile And Internet

3.53% of the monthly plan

PKR 5,300

School Fees

10.53% of the monthly plan

PKR 15,800

Shared Household Buffer

12.2% of the monthly plan

PKR 18,300

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Saving tips

Pull one weekly bazaar trip out of the month and buy only essentials with a written list.

Keep electricity units inside the protected slab by batching ironing and water-motor use on fixed days.

Reserve 5,000 PKR on payday before fuel top-ups and chai cash start leaking through the month.

PRO projection

Inflation-aware next month view

PRO mode adds a 10-15% inflation shock layer, next-month projection, and Ask Roza tips for households that need a deeper monthly planning view.

Projected next month

PKR 168,000

Assumes a 12% survival buffer on the current structure.

Atta

PKR 22,400 now

PKR 25,088

Ghee

PKR 10,500 now

PKR 11,760

Sugar

PKR 5,300 now

PKR 5,936

Electricity (Protected Slab Estimate)

PKR 14,500 now

PKR 16,240

Ask Roza Tips

Pull one weekly bazaar trip out of the month and buy only essentials with a written list.

Keep electricity units inside the protected slab by batching ironing and water-motor use on fixed days.

Reserve 5,000 PKR on payday before fuel top-ups and chai cash start leaking through the month.

PRO access is available on request

Save the template first, then contact Roznamcha if you need the upgraded planning view and PDF for your household.

Save first

Habit formation

This module is built for return visits, not one-time downloads

Save the template now. Next month, open the same template and compare the planned survival split against your real kharcha, ration pressure, and school-fee shocks.

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