Bengaluru techie earns Rs 3 lakh per month but is barely able to have any savings: ‘My investments only include…’

A technology professional employed as a data engineer in Bengaluru has sparked widespread discussion after sharing a detailed account of her income and monthly outflow on Instagram. Posting under the handle @thinking.mori, she disclosed that her take-home pay stands at ₹3 lakh each month. From that amount, she allocates slightly above ₹2 lakh toward household costs, financial commitments, and systematic investments, offering viewers a transparent look into her personal budgeting strategy.

Housing, Utilities and Household Support

In the viral video, she carefully outlined her fixed expenditures. Her monthly rent totals ₹20,000. An additional ₹5,000 goes toward paying her domestic assistant. Importantly, the rental figure already covers electricity, water supply, and internet services, meaning her essential living utilities are bundled within a combined ₹25,000 expense every month. This consolidated arrangement helps her maintain predictable housing costs without fluctuating bills.

Loan Repayments and Family Commitment

A substantial portion of her outgo is directed toward repaying a home loan for an apartment she purchased for her parents. She transfers ₹30,000 every month as equated monthly installments. While acknowledging that property ownership can sometimes be viewed as a financial burden rather than an appreciating asset, she emphasized that this decision was driven by gratitude and emotional responsibility toward her family, who supported her throughout her life.

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A post shared by Just Kidding (@thinking.mori)

Daily Living and Lifestyle Spending

Her routine consumption costs remain relatively controlled. She budgets ₹8,000 monthly for groceries and sets aside ₹2,000 for dining outside. Personal upkeep, including skincare, wellness items, nutritional supplements, and occasional gifts, falls under miscellaneous spending of approximately ₹5,000 each month.

Subscriptions also form part of her recurring expenses. She pays ₹12,000 for access to a fitness center along with a personal trainer. Streaming platforms such as Netflix and Apple TV together cost her ₹300 monthly.

Investments and Long-Term Planning

Regarding wealth creation, she channels ₹1 lakh every month into systematic investment plans. Since she has already established an emergency reserve covering six months of expenses, she currently does not allocate additional funds toward contingency savings. Beyond SIPs, she occasionally purchases gold when market conditions appear favorable.

Overall, her regular monthly spending amounts to roughly ₹2.12 lakh, excluding travel. In 2025 alone, she spent ₹7 lakh on trips. She also mentioned preparing for irregular costs such as gadgets, weddings, and eventually building a dedicated fund for her own marriage.