Daughters of India · Tools & Downloads
Your First ₹1,000.
Money becomes easier to manage when you decide what it needs to do before you spend it. There is no universal “correct” split. Your job is to make a plan that fits your situation — and make sure the total still equals ₹1,000.
Where did this ₹1,000 come from?
Pocket money, a gift, payment for work, prize money, something else? Does any of it already need to pay for something?
Use now
Things you choose or need to pay for now.
₹
Use later
Money for a future goal, larger purchase or buffer.
₹
Give, contribute or support
Optional: a cause, gift, family contribution or something you value.
₹
Not decided yet
Money you deliberately leave unassigned until you know more.
₹
Does your plan equal ₹1,000?
Spend ₹_____ + Save ₹_____ + Share ₹_____ + Flexible ₹_____ = ₹_____
If the total is not ₹1,000, something has been counted twice or left out.
What could change your decision?
Imagine one new fact: an unexpected expense, a goal becoming more important, a purchase going on sale, or learning that something you wanted is not worth the price. What would you move, and why?
Which purchase deserves a second look?
Choose one planned expense and ask: Do I still want this tomorrow? What am I giving up by buying it? Is there a cheaper way to get the same value?
My plan in one sentence
“I want my ₹1,000 to __________________________________________ because __________________________________________.”
For learners and families: this is an educational planning exercise, not personalised financial advice. The four buckets are prompts, not a recommended percentage formula. A sensible allocation depends on the person's needs, responsibilities, goals and circumstances.
For educators: completing this worksheet shows a learner's stated plan at that moment. It does not by itself establish improved financial capability or future financial behaviour. If you are assessing learning, define the learning objective and use evidence appropriate to it.
Related: Daughters of India Practical Guides · Why Financial Literacy Should Start Before a Girl Earns Her First Rupee · Learning Lab