Bike, rent, SIPs and home support: 24-year-old Bengaluru techie breaks down his Rs 3.6 lakh expense

At a time when conversations around money are often reduced to salary numbers and savings targets, a detailed monthly breakdown from a young tech professional in Bengaluru has caught attention online. It is not just the figure that stands out, but how every rupee is accounted for across lifestyle, responsibilities, and long-term planning. The breakdown, shared on Instagram, offers a rare, transparent look into modern urban spending habits shaped by ambition, family support, and financial discipline.

A 24-year-old Bengaluru-based software engineer, identified as Souraja, recently shared how he spent close to Rs 3.6 lakh in the month of March while working in the city. His post quickly drew attention for its unusually detailed structure and honest breakdown of expenses.

Bike purchase

Souraja explained that the biggest portion of his monthly outflow went toward a new bike purchase. He said he bought it at the end of February and paid the ex-showroom price with a credit card, resulting in a repayment of around Rs 2.51 lakh in March.

Investments and sending money home

Alongside personal spending, he highlighted a significant contribution to his family. He mentioned transferring about Rs 50,000 to his mother as part of his regular support at home, which remains a fixed priority in his monthly financial planning. He also shared that he invests around Rs 20,000 every month through SIPs and other investments, treating it as a non-negotiable part of his income allocation rather than an optional expense.

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Expenses

Living in a shared 3 BHK apartment in Bengaluru, his rent comes to approximately Rs 18,000. He added that basic household support, including cook and maid services, costs him around Rs 3,700, while food deliveries and occasional dinners account for nearly Rs 2,000.

Utility expenses remain relatively modest, with electricity bills close to Rs 700. His phone and internet costs are covered by his employer, which reduces his monthly burden slightly. Groceries add another Rs 5,000 to his overall spending. He also broke down travel-related costs, noting higher fuel expenses due to his new bike. Wanting to complete 1,000 kilometres before the first service, he took a trip to Coorg, which added around Rs 6,000 to his monthly tally.

In total, Souraja stated that his March expenses stood at roughly Rs 3,59,000 to Rs 3,60,000. Even after accounting for this high outflow, he shared that he was still able to save around Rs 80,000 from his salary, reflecting a balance between lifestyle spending, family responsibility, and disciplined investing.