Shopping & Money

New Home Budget Planner: Split Your Budget for Appliances, Furniture and Essentials

Free tool · Updated October 3, 2026 · By CouponTalk

Your result

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Quick answer

Setting up a home goes in waves: essentials first (bed, mattress, fridge, kitchen basics, curtains), then comfort (sofa, washing machine, TV), then decor. A typical split is about 35% appliances, 30% furniture, 15% kitchen, 10% bedding and curtains and 10% lighting, decor and buffer. With ₹3 lakh, about ₹1.05 lakh goes to appliances; big ones suit no-cost EMI.

How to use this calculator

Enter your total budget and the quality level you want.
Choose whether to put the biggest item on EMI.
Use the split and the buying order shown, and adjust to what you already own.

Reference table

Suggested split (mid-range level)
Item	Share of budget	When
Bed and mattress	15%	Buy first
Kitchen: stove, utensils, cookware	15%	Buy first
Sofa and dining	15%	Next
Refrigerator	12%	Buy first
Curtains and bedding	10%	Buy first
Washing machine	10%	Next
Lighting, fans and decor	10%	Later
TV	8%	Later
Water purifier	5%	Buy first

A starting split. Rented flats may already include some items.

Frequently asked questions

What should I buy first in a new home?

A bed and mattress, fridge, gas stove or induction, basic utensils, curtains and a water purifier if your water needs it.

Should I buy appliances on EMI?

No-cost EMI on big appliances is fine if you would buy them anyway; avoid stacking several EMIs at once.

Rent or buy furniture?

Renting suits short stays (under 2 years) or frequent moves; buying is cheaper over longer periods.

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