Budget from salary day, not from the 1st.
A salary-day budget runs from one payday to the next, not from the 1st to the 31st. In Rupya you set the day your month starts. Paid on the 10th? Your month runs from the 10th to the 9th, and totals, exports and summary emails all follow it, so each month holds one salary and what it paid for.
- Payday, the 10th
- One salary month
- The next payday
October = 10 Oct - 9 Nov
What is a salary-day month?
It's a month that starts on the day your salary arrives. A calendar counts from the 1st, but plenty of salaries land on the 5th, the 10th or the last working day. A salary-day month lines your budget up with the money you actually have to spend.
Rupya names each month after the month it starts in. Paid on the 10th, "October" means 10 October to 9 November.
Why not just use calendar months?
Because a calendar month cuts your pay cycle in two. Paid on the 10th, calendar October holds the last nine days of September's salary and the first three weeks of October's. The tight days just before payday get counted with the easy days just after it, and neither salary's month shows how it really went.
A salary-day month starts with one salary and ends the day before the next. What's left at the end is what that salary really left you with.
A worked example
Say you're paid ₹72,000 on the 10th of every month. You spend ₹9,200 from 1 to 9 October, ₹47,800 from 10 to 31 October and ₹13,700 from 1 to 9 November.
| October | Calendar month, 1 - 31 Oct | Salary month, 10 Oct - 9 Nov |
|---|---|---|
| Money in | ₹72,000 | ₹72,000 |
| Money out | ₹57,000 | ₹61,500 |
| Left | ₹15,000 | ₹10,500 |
The calendar month says ₹15,000 is left. But ₹9,200 of its spending came out of September's salary, and the last nine days of October's salary aren't in it at all. The salary month shows what October's ₹72,000 really did: ₹61,500 spent and ₹10,500 left.
How does Rupya do it?
- Set the day once. Pick any day from 1 to 31 when you sign up, or later in Settings. Rupya shows the dates it gives you, like "10 Nov - 9 Dec", before you save.
- Short months adjust. Paid on the 29th, 30th or 31st? In a shorter month, your month starts on its last day instead, so February's starts on the 28th, or the 29th in a leap year.
- Everything follows it. Home's totals, the month switcher, the periods in Analytics, exports and the monthly summary email all use your month. The email arrives at midnight as your new month begins, with the month's entries attached in Excel.
- Goals count in salary months. Saving for something? Rupya tells you how much to put aside each salary month to get there.
Questions people ask
Which day should I pick?
The day your salary usually arrives. If it sometimes comes a day or two early, pick the earliest day it tends to land, so it never falls into the month before.
Can I change the day later?
Yes, in Settings, with a preview of the dates before you save. Your entries keep their dates. Only the way they're grouped into months changes.
What happens in February if I'm paid on the 30th?
Your month starts on the last day of February instead, the 28th or the 29th in a leap year, and goes back to the 30th from March.
Do the summary emails follow my month?
Yes. With a Rupya account, the monthly summary arrives at midnight as your new month begins. It covers the month that just ended, with its entries attached in Excel.
Is Rupya free?
Yes. Everything in Rupya is free during early access, with no ads, and you don't need a credit card to start.
Your month,
starting on payday.
Free during early access. On the web today, on your phone soon.
- Rupya for iPhone, coming soon to the App Store
- Coming soonAndroid APK