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How do I enter a bonus or variable income?

Use the Bonus / variable pay row for a yearly bonus, entered as the amount you can reasonably count on. A one-off windfall such as a share sale goes under Money coming in instead.

Every plan has a row called Bonus / variable pay, set to Annual. Enter the bonus you can reasonably count on in a typical year — not your best year. It grows at your income growth rate and stops when your salary stops.

  1. Open Income. The bonus row is in the group under Salary and regular pay — Spouse, partner or bonus income, or Bonus or variable pay in your own view once you have a partner.
  2. Enter the yearly amount, before tax.
  3. Leave How often on Annual, or switch to Monthly if it is paid monthly.

Choosing the figure

  • Look at the last three to five years and take a figure near the lower end. A plan that needs your best bonus every year is fragile.
  • If part of your pay is fixed by contract and part is not, put the fixed part in your salary and only the uncertain part here.
  • Commission or freelance work that varies month to month: enter a typical year’s total under Other income, with Annual frequency.

Which section it belongs in

Kind of incomeWhere to enter it
A yearly bonus from your jobBonus / variable pay — stops when you stop working.
A side business or freelance workOther income, with its own growth rate if it grows differently.
A pension or rent that carries onOther income — it keeps paying after you stop working.
A one-off sale of shares or a businessLife goals → Money coming in, as Selling shares or a business.

Overview

What you earnSaving 17%
A year, before tax₹84.72L₹84,72,000
Each month
₹7,06,000
Survives a job loss
3.5%
Left over
17%
No band — nothing here benchmarks what a household ought to earn.
What you spendWorth a look
A year, today₹65.38L₹65,37,600
Of what you earn
83%
The same life, later
₹1.8Cr
Largest single line
₹27.24L · Rent in Dubai, 42%
Measured against your own income, not against anybody else’s spending.
What you owe
Still outstanding₹35L₹35,00,000
Paid a year
₹4.8L
Of your income
5.7%
Costliest rate
8.3% · Home loan
No band — the implied rate comes from your own repayment schedule.
An illustrative household: Two adults, 38 and 36, two children, earning in Dubai and settling in Pune. Income in dirhams and rupees, one plan in rupees.

The three money cards on the Overview for the illustrative household. Every income row feeds What you earn.

  • What you earn — a year, before tax: ₹84.72L, or ₹7,06,000 each month.
  • Survives a job loss: 3.5% — the Pune rent, which keeps arriving if the salary stops.
  • Left over: 17%, after everything they spend and every loan payment.

Illustrative figures — not anybody’s real plan.

See this in your own plan.

Open Income

Last reviewed 1 October 2026.