Everyone tells you to follow the 50/30/20 budget rule. 50% needs, 30% wants, 20% savings.

But if you're a working professional in India earning ₹6-15L, this rule falls apart fast:

• Rent in tier-1 cities eats 40%+ alone — before EMIs, groceries, or commuting

• UPI makes spending invisible — you tap and forget. Most people have no idea they spend ₹8-12K/month on food delivery alone

• "Savings" means different things — SIPs, FDs, crypto, PPF, emergency fund. Where does each one fit?

What actually works is category-based daily limits.

Instead of vague percentage buckets, you set a hard cap: ₹500/day on food. ₹200/day on transport. When you hit it, you stop. Simple.

The trick is seeing it in real-time — not checking your bank statement at month-end when the damage is done.

That's exactly why I built Cashlens. It connects to your bank and UPI, shows all your investments in one view, and lets you set daily spending limits with real-time tracking.

No trading. No complexity. Just clarity on where your money goes and how to keep more of it.

What's the one spending category that always surprises you at month-end? Drop it below 👇