4 min read

Tracking Your Income

Manage every salary, freelance gig, and side hustle in one place — and see how your earnings compound over time.

1
What the Income page is for
Income is the single biggest lever in your financial plan. The Income page is your living view of every rupee that lands in your account — salary, freelance, rental, business, anything. You can add, edit, and delete sources anytime. Every other number in FUMONEY (FIRE corpus, SIP allocation, fitness score) updates the moment you change something here.
Always use your post-tax take-home, not CTC. CTC includes EPF, gratuity, and other deductions that you cannot spend or invest.
2
Read the hero — your monthly take-home
The huge number at the top is your total monthly take-home across all active income sources. Below it you see the annual equivalent and a chip showing how many sources you have. A small badge confirms how many income streams are currently active.
3
Understand the 4 KPI cards
Right below the hero are four quick stats: • Active Sources — how many streams you have today • Avg Growth Rate — the weighted-average annual % growth across your sources • Per Day Earned — total monthly ÷ 30, a useful gut-check for daily lifestyle choices • 5-Year Projection — what your monthly take-home will be in 5 years if your growth rate continues
The Avg Growth Rate is weighted by amount, so a 15% growing freelance income of ₹10k matters less than a 7% growing salary of ₹1L.
4
Add a new income source
Click "Add Income Source" in the top-right. The dialog asks for: • Source name (Salary, Freelance, Rental — whatever you call it) • Subcategory (optional — e.g., "Private Sector", "Freelance IT") • Monthly amount (post-tax INR) • Annual growth rate (% — typical Indian salary hikes are 8–12%; freelance income can swing 0–25%) Click Add. The page recomputes everything instantly.
Do not double-count. If your salary already includes your variable bonus, do not also add the bonus as a separate source.
5
Read the source mix donut and detail list
The left donut shows what % of your income each source contributes. The right list ranks every source by amount and shows, for each: your % share of total income, growth rate, the projected next-year amount, and quick edit/delete controls (visible on hover).
If a single source is more than 80% of your income, your financial position is fragile. Building a second source — even small — dramatically reduces career risk.
6
The "Aha Moment" projection
The blue insight card at the bottom shows the compounding effect of your growth rate: in 5 years, your monthly take-home is projected to be ₹X — and that's ₹Y more per year than today. This is the single best motivator for keeping your career growth (and side incomes) consistent.
7
Edit or remove a source
Hover any source row to reveal edit (pencil) and delete (trash) buttons. Editing keeps the source's place in the list. Deleting permanently removes it — and every downstream metric (surplus, fitness score, FIRE projection) updates immediately.