Bengaluru data engineer shares how she spends Rs 2 lakh per month, fund ₹1 lakh monthly SIP, and save ₹7 lakh yearly for travel

For many young professionals in a tech job, the lure of a high salary often comes with the challenge of high living costs. A Bengaluru-based Data Engineer recently broke down her monthly expenses, revealing that she earns ₹2 lakh per month. Her fixed costs are relatively modest for the city, with rent and groceries costing approximately ₹20,000. Interestingly, her travel expenses are remarkably low—roughly ₹500 for petrol—as she primarily uses a company-provided cab for her corporate job and maintains a scooty for short personal trips.

Living in Bangalore with 3 lakh salary

Based on the reported financial breakdown of a Bengaluru-based Data Engineer, her ₹3 lakh monthly salary is meticulously allocated across fixed costs, family commitments, and aggressive investments. Her primary housing costs are consolidated at ₹20,000, a figure that includes rent, WiFi, electricity, a cook, and water charges. An additional ₹5,000 is dedicated to house help. Her commitment to her parents' new flat involves a significant portion of her income, with ₹30,000 allocated for the EMI and an additional ₹20,000 for home furnishing expenses.

Lifestyle and Wellness

The engineer’s lifestyle and personal care expenses are segmented into specific categories to maintain financial discipline. She allocates ₹8,000 for groceries and a modest ₹2,000 for eating out. Her personal maintenance budget—covering shopping, gifts, skincare, and vitamins—totals ₹5,000, while her digital entertainment, including Netflix and other OTT platforms, costs ₹300. Fitness is a major priority, with ₹12,000 spent monthly on gym fees and a personal trainer. The largest single allocation of her salary is toward future wealth, with ₹1 lakh consistently directed into SIPs, leaving the remainder for miscellaneous one-time costs and her wedding fund.


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SIPs, Gold, and 'Wedding Fund'

With her six-month emergency fund already secured, she has pivoted her focus toward long-term wealth creation and upcoming life events. Her current investments are heavily weighted toward SIPs and strategic purchases of gold when market conditions are favorable. Beyond standard market investments, she is actively saving for one-time expenses, such as a phone or attending family weddings. Most significantly, she has begun building a dedicated wedding fund for herself to ensure her own future milestones are fully funded without compromising her financial stability.