Type your take-home pay
Under This month, start with what reached your bank after tax, PF and other deductions. Add a bonus, freelance work, rent received or interest as other money in.
Where Did My Salary Go?Free Salary Spending Analyzer
Find out where your take-home pay goes each month. Type what you spent, or open your bank statement (CSV or Excel), and see your pay flow into every category, the money that slipped away, fees and card interest, subscriptions you rarely use and a plan that becomes next month's budget. Everything is worked out in your browser: nothing you type or import is uploaded.
Write down what came in and where it went. Type amounts as 8400, 12k, 1.2L or 450+300. Everything is kept as you type.
Plan
Choose what to cut back on and see what it adds up to over the years. When it looks right, make it next month's budget. Estimates to plan with, not promises or advice.
History
Every month you fill in is kept here, so you can see where your pay goes over time and what changed.
Settings
Currency, your working hours, the targets the checks use, your categories and your data. Everything is stored in this browser only.
Shortcuts, outside a text box: 1 to 5 open the five views, [ and ] the month before or after, I imports a bank statement and H hides amounts. Esc closes a window.
How to Use Where Did My Salary Go?: Step-by-Step
Fill in where it went
Type what you spent in each category, from rent and groceries to food apps, EMIs and SIPs. Amounts can be 12k, 1.2L or a sum, a week, a day or a year, and a category can list items one by one, such as every subscription.
Or import your bank statement
Open the CSV or Excel file your bank's website or app gives you, or paste the table from its web page. Each payment is sorted by the shop's name; change any line before adding it, and the tool remembers your choice.
See where it went
The report draws your pay flowing into every group and category, with the money nobody can account for shown apart. Every category is also in a table with its share of pay and the hours of work it cost.
Read the checks
The checks look for fees and card interest, money not accounted for, subscriptions you rarely use, small daily spends, eating out and costs that crept up on your earlier months, with what each costs in a year.
Plan next month
Move a slider for each category, or let the checks or "find me" choose, and see what you would keep and what it grows to if invested. One click makes it next month's budget, and This month shows how much of each budget is used.
Why Choose Where Did My Salary Go?
🏦 Your statement stays on your device
Bank statements are read by your own browser. Nothing is uploaded, there is no account, and no app needs access to your bank: you open the file you downloaded yourself.
🇮🇳 Made for Indian salaries
Lakh and crore, EMIs, SIPs, EPF and PPF, UPI payments, food apps and electricity boards are all understood, and amounts read 1,20,000 or 1.2L. Other currencies work too.
🕳️ It finds the money that slipped away
The gap between what came in and what you listed is shown, not hidden, so the small payments nobody writes down finally have a number.
⏱️ Spending in hours of work
Every category is also shown as the hours you worked to pay for it, which makes a food app habit or an unused subscription easier to judge.
🎯 From a plan to a budget
A plan of cuts turns into next month's budget with one click, and each category then shows how much of its budget is used as the month goes.
📈 Every month in one history
Months you fill in stay side by side: your usual month, your best month, and which categories went up or down between any two months.
Where Salaries Go
🧮 Needs, wants and savings
The 50/30/20 guide splits take-home pay into about half for needs (rent, food at home, bills, loan payments), 30% for wants and 20% saved. In big cities rent alone can take a third of pay, so 60/20/20 or 70/20/10 are common too; the tool compares your month with the split you choose.
🕳️ Small payments, big gaps
Cash, small UPI payments, snacks and tips rarely get written down, and each feels too small to matter. Over a month they often explain most of the money people cannot account for, which is why a statement import usually finds more than memory does.
💳 Money that buys nothing
Card interest usually runs at 36 to 45% a year on an unpaid bill, and late fees, low-balance charges and bounced payments add up too. Of everything in a month, these are the easiest to stop for good.
Frequently Asked Questions
Is Where Did My Salary Go? free, and is my statement uploaded?
It is free, with no registration and no limit. Like every page on ZeroDataUpload, it is supported by advertising. A bank statement you open is read by your browser on your device and never sent to a server, and the same goes for every amount you type. Your months are kept in this browser's storage so they are there next time; Delete everything, under Settings, removes them.
Which bank statements can it read?
CSV and Excel (.xlsx) files downloaded from a bank's website or app, card statements, and tables copied from a bank's web page and pasted. It finds the date, description and amount columns itself, in the layouts Indian and other banks use: separate withdrawal and deposit columns, one amount column marked Dr or Cr, Indian, European and US number styles, and dates written day first or month first. PDF statements cannot be read, but most banks offer CSV or Excel beside the PDF.
What does "not accounted for" mean?
It is your pay minus everything you listed as spent, saved or still in your account. It is usually money that went in small amounts nobody writes down: cash, small UPI payments, snacks and tips. Adding what is still in your account, or importing a statement, makes it shrink to what really slipped away.
Is this financial advice?
No. The checks compare your month with common rules of thumb, such as the 50/30/20 split or six months of emergency savings, so you can see where to look first. They are not advice for your situation, and the growth figures in the plan are estimates, not promises. For decisions about loans, investments or insurance, speak to a registered adviser.
What is the 50/30/20 split?
A simple guide for take-home pay: about half for needs such as rent, groceries, bills and loan payments, about 30% for wants, and 20% saved or invested. Settings also offers 60/20/20 and 70/20/10, which suit a high rent or a big city, and your own split.
How does it sort the payments in my statement?
By the shop's or app's name in each description, using a list of common Indian and international merchants: food apps to eating out, Zepto and BigBasket to groceries, electricity boards to bills, and so on. Card bill payments and transfers between your own accounts are left out so nothing is counted twice. You can change any line before adding it, and the tool remembers your choice for next time.
How is it different from BudgetSnapshot and NetWorth Pro?
BudgetSnapshot is a monthly budget you type by hand, and NetWorth Pro is the balance sheet of what you own and owe. Where Did My Salary Go? starts from what actually happened to one month's pay, reads your bank statement, finds the leaks and turns a plan into next month's budget. The amount it shows you keep each month is what NetWorth Pro's projection can use.