THE
TOMAR
METHOD
A simple 5-step method
to understand your money.
T
Track
O
Organise
M
Measure
A
Align
R
Review
The TOMAR Method — Know Your Money. Shape Your Future.Monthly Money Check

A quick look at your monthly money.

Enter a few amounts to see what remains each month and how far your accessible reserves could cover essential spending and EMIs.

Your amounts stay on this device. This calculator does not send or save your entries to The TOMAR Method, a server or browser storage. They are used only in this page for calculations. Refreshing may clear them; use “Clear amounts” when finished, especially on a shared device.

Your monthly amounts

Use net income after tax and payroll deductions. Include regular rent or pension. SWP is cash available to spend, but can draw down your existing investments. Include each expense only once.

Your snapshot

Monthly cash balance after recorded spending and savings₹0Enter your amounts to see your snapshot.
Total monthly outflows₹0
EMIs as a share of income—

Months your reserves could cover essentials & EMIs—
Monthly savings contribution₹0
🔒 DETAILED AUDIT · LOCKED

What do these numbers mean for your next decision?

Room for another EMICapacity after protecting your monthly buffer
Requires a detailed audit
Vehicle purchase budgetDown payment, running costs and goal impact
Requires a detailed audit
Will your savings reach your target?Projected corpus against your target date
Requires a detailed audit
Extra savings needed each monthYour funding gap, with inflation considered
Requires a detailed audit
Debt closure & interest-saving scenariosWhat an extra payment could change
Requires a detailed audit
See the full picture behind your snapshot

A paid consultation builds these insights from your goals, assets and debt details.

Unlock my detailed auditPreview only. Personalised answers have not been calculated.

Explore your paid detailed audit

Ask The TOMAR Method about the fee, scope and next steps for your personalised audit. No payment or booking is made on this page.

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