| Housing - Rent, EMIs, property tax, maintenance | |
| Utilities - Electricity, water, gas, internet, phone | |
| Transportation - Fuel, public transport, vehicle EMI, insurance | |
| Groceries & Food - Home groceries, dining out | |
| Insurance - Health, life, vehicle, property | |
| Healthcare - Medicines, doctor visits, emergencies | |
| Education & Self-Development - School fees, courses, books | |
| Savings & Investments - SIPs, PPF, mutual funds, retirement | |
| Debt Payments - Credit card, personal loans | |
| Entertainment & Leisure - Movies, streaming, hobbies, vacations | |
| Personal Care - Clothing, grooming, cosmetics | |
| Gifts & Donations - Charity, festivals, birthdays | |
| Taxes - Income tax, property tax, GST, etc. | |
| Emergency Fund - Medical, job loss, urgent repairs | |
| Miscellaneous - Unexpected or unclassified expenses | |