Fruit sellers, Vegetable vendors, Shopkeepers etc are all into seasonal businesses. Their dailyincome fluctuates as it depends on variable factors like weather conditions, availability ofstock in the market, time of the year etc. However, their fixed monthly expenses like theelectricity bill; house rent, food etc remain constant & need to be paid by the end of themonth. They even need to save for their short term goals like buying a sari for mother onDiwali, repair cycle puncture etc as well as long term goals like renovating the house, buyinga scooter etc.With a fluctuating source of income, these variable low income group users find it verydifficult to achieve their financial goals within a stipulated time period. This project exploresthe concept of a Budget planner to help these users take informed decisions at any given time& eventually save money. However, saving does not just imply the cutting down of expenses.But its about living life to the fullest & making the right payment decision. These informedpayment decisions can be achieved by identifying ones Discretionary income at any givenpoint of time. Also m-commerce needs to evolve from just a mobile payment mode to anenriching all-in-one experience.