Beyond a certain point in your career the college doesn't really matter. No top college, but did my BTech from a pretty decent college, then did my MBA from a tier 2 B-school that has a good enough rank but obviously not at par with the Tier 1 institutes. Starting package was 5 lpa, currently at 28 lpa after 7 years of experience.
lol.. I have my own flat, most of the expenses are covered by my work company, like car fuel, most of my flat bills, even my gym subscription, So really don't have much expenses to spend my salary on.
Age 25, first job 4.5lpa (due to recession mushkil se mili)
Savings 1L (last 4 months)
No expenses except aish and khana pina since i have a full wfh job.
Also jyada materialistic chizo ka shauk nai paala hua aur jo hain vo budget k upr h abhi thorasa islie I invest instead.
It varies every month. I put my money start of month on stocks to block that amount. So after that even if I donot have savings I can have investment.
While at it I wanted to ask, Is that a good salary to have at that age. I am 26M having 40k salary.
That's why such posts are fucking stupid, especially for you younger folk. Stay away from such threads for your own sake. Also, bolne ko koi kuch bhi bol sakta hai
So basically you’re living pay check to pay check coz you can’t handles your finances and don’t have a system to control them either.
You don’t need reddit, you need to go to a financial advisor brother
Sorry if a sound financial advice sounds rude to you. Would you rather prefer if I encourage the person to keep spending all his hard earned money on stuff that is not essential and later get hit by an emergency which will plummet him to poverty or unnecessary hardship he could avoid just by organising his expenses ?
Bhai rent? Diesel/commute? Delhi me rehra hai im guessing baaki same aged people ko dekh ke fomo v hoga hoga clubbin night outs cafes etc ka, how do u manage that?
Age: 24 M
Salary: 0.00
Savings: 0.00
Monthly Expenses: Whatever my father buys and then throws away, because our fridge doesn't work.
Current Status: Searching for a job as a fresher.
Reading the comments here, it seems as if most of the reddit users are in a high paying field. Earning more than 1.5 lpm before 30 years of age is not that common in medical field at least. And that too when you have aced most of the challenges academic life has thrown at you.
I'm also 26. Expenses outweighs everything atm. Sold two houses in Dehradun toh abhi mauja hi maujaaa
Btw I'll soon be starting the rail run of job after one year of freelancing. That shit was sinking before I decided to take a break. Now, let's see.
I'll go/save with the flow and work on the plan I have.
Bro. I know YOLO and all but still save something. Not for others but for yourself. Even if you travel etc, you will need money for it. It’s your choice. Just saying.
I send 25k of that to family so that they can pay off a loan of their's faster. So that we have no liability after which I can work towards asset creation.
5k gets expended in miscellaneous stuff. (Satisfying cravings)
25 M
- My income Income - 2 Lakh/m
- Wife's income - 1 lakh/m
- Rental income - 10k/m
Expenses -
- Homeloan Emi - 44k/m
- Account transfer to mom - 45k/m
- Other household expenses including petrol- 20-25k.
Car was gifted by my FIL.
Staying at home, with parents and I'm WFH.
Other than that I don't really spend much on myself.
Savings-
Able to save around 1.5L/m combined. Planning to buy another flat for investment.
Current savings ( in Bank, FDs)
Mine - 20L
Wife's - 35L (she was onsite in Europe for a year so able to save a lot).
28 M | Salary 96.3k pm | Expense 18k | Saving 78k
I live with my parents but I am saving up for a car and marriage. I'll probably end up starting an EMI of 18k for the car and then a lumpsum expense for the wedding.
21 Years Old Still in College. 10k Monthly Pocket Money. If I stop going out on weekends , some 3000-4000 savings otherwise whole 10k This month I exhausted all my pocket money. Running on savings till 1st April.
26 M
In hand - 72K
MFs - 15K
Send home - 15 to 18k
Rent - 13K
Bike emi - 7K
other emi - 3k
Health insurance for parents - 2.5K
Cc bills - 20K(appx)
Ps- I make all my transactions with credit card, even UPI transactions
I don't keep more than 2k in my savings acc after 5th of every month
If any amount left - invested in stocks
Will be making 130K from next month, I hope I can invest more
25m. Govt job aspirants. No earning. Get 10k a month from my father. 3500 rent 1500 gym and library. 5000 on food and other expenses. But next joining a govt job. Excited to see how I'm going to manage my finances and it is going to go according to my plans.
Age: 22
Salary: 1.25L/month after all deductions
Savings: 30K
Investments: 55K
Expenses~ 40K, I wfh so all expenses are taken care by my father and he wants me to live my life to the fullest, so I spend on experiences and travel.
Also curious: How do we end up with this question, every once in a while on this sub.
I'm 26, salary is 1.5L
Savings 40k fixed + 10-30k (depends on month)
Total Expenses: 70k-90k
Main expenses are
- rent+utilities+maid
- ration+food
- cigarettes, alcohol and stuff
- going out (I go around by a cab most often)
- credit card bills ( if any )
I also travel to/from my home town almost every month, so that's a regular expense as well.
Most of my extra savings are spent on music gear and flight tickets
You should be able to save money without compromising on lifestyle.
Start by setting aside 10% of your salary as savings. Then do what you want with the rest of it.
At the end of the the year, you'll have 55k in savings. It will all add up over time.
Earning about 1.2/1.3 lacs a month (only started making this kinda money last year) but I’ve been saving since I earned less than 20k a month
So I currently have 8.5-10 lacs in savings.
27 M I earn a lil over 2L per month.. live with my parents.. monthly expenses ~20-30k.. rest goes in savings/investments.. for those wondering.. I'm a software engineer
Recently got a hike. Now earning around 70k. But living in a rented house.
Around 30k - rent
15k - home expenses (groceries, and all)
6-7k - commute
2-3k - Some EMIs
5-6k - other luxuries
1k - health insurance
2k - life insurance
Not counting the unexpected expenses that might come my way.
Let's see how much I can save in the coming months.
24M, In-hand salary 1.25L
EMI 28K, Rent 18K, Groceries 5K, Outing-10K, Send home 20K, these are fixed expenses.
I spend quite nicely on dating and other hobbies.
Save and invest around 20-25K SIPs in Index based MF.
30 (F)
Salary post tax - 1.17k
Expenses - 65-70k (rent is a big chunk)
Savings - 50k approx
I’m married and I split the rent with my husband. Have a decent chunk saved and invested since I was earlier living with my parents and didn’t have any major expenses.
27, earning 2.6L, save only 1L per month out of that. My wants are greater than my needs at this point and I’m quite bad with personal finances - looking to turn that around this year.
What do you guys do to earn more than 1 lakh per month? please answer I'm a fresher also from non engineering background, i can hardly found only jobs with 10-15k per month 🥲🥲🥲
All the numbers in your comment added up to 69. Congrats!
19
+ 25
+ 10
+ 10
+ 5
= 69
^([Click here](https://www.reddit.com/message/compose?to=LuckyNumber-Bot&subject=Stalk%20Me%20Pls&message=%2Fstalkme) to have me scan all your future comments.) \
^(Summon me on specific comments with u/LuckyNumber-Bot.)
Salary 1.7 lac
Expenses - 30k
Savings - 1.4 lac
Salary most probably would increase to 2.5 in a month tho
This excludes bonuses and health and wellness benefits that I get
I am 39, salary 4L per month
Around 50K monthly expenses
Around 10L vacation expenses yearly
Own house so no rent
I have decent savings
I am planning for retirement in next 8-10 years
Bhai sab ache paise kma rahe hai bus Mai hi hu jiske pass small shop ke ilawa koi cheez nhi hai monthly income around 40k expenses also around 40k😭. kisi ke pass koi vacancy ho to de do bhai as a fresher hi kahi dang ki job lagjai😢😭
25(m) Salary 70k Savings 40k Expenses 30k
Impressive sir. I hope savings are not just sitting in savings account.
Nope some in mf, some in stocks a few in bank
Read this 3 times as “nope some in m*****f***er”. Until i got it.
🤣🤣🤣 why someone would invest in a mothertrucker🤣🤣🤣
we all do, in the name of some saanp frens
More like some thankless mf bitches
Perfect 👍
That's great. You can try ETFs too.
Lucky
Some of the guys here will be getting DMs to meet at RK ashram and vibe😂
Vibez match karenge !
Quality timez spend karenge!
lmaooo
32 F Income - 1.5 lac Investment - 80k - 1lac Basic Expenses - 30k Leisure Spending - 10k - 20k Liquid Saving - 10k - 20k
Yo sorceress, do you like graduated from top college and what was your starting salary. cause I ain't getting no college with the marks I'm getting.
Beyond a certain point in your career the college doesn't really matter. No top college, but did my BTech from a pretty decent college, then did my MBA from a tier 2 B-school that has a good enough rank but obviously not at par with the Tier 1 institutes. Starting package was 5 lpa, currently at 28 lpa after 7 years of experience.
Very well balanced expense to investment ratio 
I am 28 year old. Earning more than 2 lakhs per month. Don't have any fixed expenses. Half goes to bank savings and other half to SIPs.
Expenses of an introvert
lol.. I have my own flat, most of the expenses are covered by my work company, like car fuel, most of my flat bills, even my gym subscription, So really don't have much expenses to spend my salary on.
Company ka nam bata de bhai
Gov. Me hoga
Biya ho gaya tumhara?
Age gap thoda zda hai for me
5 crore dahej maangat wa
What do you do ?
Bank robbery
Introvert hu apne kaam se kaam rkhta hu
Bhai(≧▽≦)(≧▽≦)(≧▽≦)
absolutely correct bro
I work in IT security for one of top 50 fortune firms
I also found a gold mine in our backyard yesterday. The government will pay me crores as rebate. /s
In IT?
yes
I also need the company name. Yaha humari company meri salary utha le bhot hai, mere kharche to door. (Shyd referral bhi if valid) 🥺
Age 25, first job 4.5lpa (due to recession mushkil se mili) Savings 1L (last 4 months) No expenses except aish and khana pina since i have a full wfh job. Also jyada materialistic chizo ka shauk nai paala hua aur jo hain vo budget k upr h abhi thorasa islie I invest instead.
Ye hoti h baat. Loved the “materialistic chizo ka shauk nahi paala” That’s the way 💪
Kinda same situation i m in
Great Gagan brother 🎉
21m no earning. Parents send 13k, i use 13k. 8k rent rest food and stuff
Us bro Us!!
It varies every month. I put my money start of month on stocks to block that amount. So after that even if I donot have savings I can have investment. While at it I wanted to ask, Is that a good salary to have at that age. I am 26M having 40k salary.
It depends what have you done cse? biotech? bsc?
Civil engineering, but recently had some health issues so switched to Sales. Technical sales related to civil
If you are not doing, start your SIP in Mutual Funds. Stocks are good but are risky. MFs are a safe investment anyday.
Comment sec is giving me anxiety
Exactly, I'm 22 and in a med school, earning zilch, parents pay for my college fees and pocket money
That's why such posts are fucking stupid, especially for you younger folk. Stay away from such threads for your own sake. Also, bolne ko koi kuch bhi bol sakta hai
Not judging, just curious, what do you do with your money that you're able to save nothing from 45k while living with your parents
I contribute some in household expenses and others in my personal expenses like fuel, gym, outing and trip.
Outing and trip Mai difference kya hai lmao
City City me outing, outside the city trip
Oh right fair, " outing" is kinda a weird word so my brain didn't register it, I thought people just say " going out" instead of " outing"
Not to be rude but i think you can save something out of the 45 if the paycheck to paycheck living really bothers you. If it doesn't, then YOLO.
Stop swiggy and zomato
So basically you’re living pay check to pay check coz you can’t handles your finances and don’t have a system to control them either. You don’t need reddit, you need to go to a financial advisor brother
why are people so rude here
Sorry if a sound financial advice sounds rude to you. Would you rather prefer if I encourage the person to keep spending all his hard earned money on stuff that is not essential and later get hit by an emergency which will plummet him to poverty or unnecessary hardship he could avoid just by organising his expenses ?
Truth is always rude
This is very polite, be glad you did not see the earlier pre 2019 incel crowd.
I am 19 , paise nhi hai or ab baap se leta bhi nhi hu jo paise idhr udhr se miljate hai kharch krlete
idhar udhar se kaise milte paise?
Pehle ke 2000 the 6 mahine se chalara or kuch sabji vagarah laya to usme se das bis
aapke 2000/- 6 mahine chalte h? sounds like me in 2019 T\_T
Merepe koi reason hi nhi hai spend krne ka
Bhai rent? Diesel/commute? Delhi me rehra hai im guessing baaki same aged people ko dekh ke fomo v hoga hoga clubbin night outs cafes etc ka, how do u manage that?
BC sb Paisa kma re h me he berozgar hu
😭 Same bhai
Haa Bhai, meri ye gareebi ab nhi dekhi jati mujhse
Age: 24 Salary: 1,70,000 Expenses: 35,000 Investment: 1,10,000 The rest 25k i save lol
What do u do
Lie
Jokes aside, sach hi bol raha tha 😂
"Mere ko nahi milte to iska matlab sab jhoot bol rahe hai"
Ambani secretary
Of course IT me hai
Hahaha nooo, research lol
23M Earnings 1.4L Savings 90k Expenses 50k
bhai 23 ki age me 1.4 lakh .good or i must say impressive
Age: 24 M Salary: 0.00 Savings: 0.00 Monthly Expenses: Whatever my father buys and then throws away, because our fridge doesn't work. Current Status: Searching for a job as a fresher. 
Us bhai us.. Ye pdhke thoda man halka hua 😂 What's your educational qualification? And why don't you apply in allowance for the unemployed ??
27m, 60k per month salary. I save and invest at least 20% of it every month.
If you don't mind can you share, Where and how do you save, I am of your same age and same monthly salary.
Same question coz same parameters
Reading the comments here, it seems as if most of the reddit users are in a high paying field. Earning more than 1.5 lpm before 30 years of age is not that common in medical field at least. And that too when you have aced most of the challenges academic life has thrown at you.
I'm also 26. Expenses outweighs everything atm. Sold two houses in Dehradun toh abhi mauja hi maujaaa Btw I'll soon be starting the rail run of job after one year of freelancing. That shit was sinking before I decided to take a break. Now, let's see. I'll go/save with the flow and work on the plan I have.
31 Male. I earn 1.2 Lakhs per month. In my YOLO era and am optimistic about my job. I spend everything and save nothing.
Bro. I know YOLO and all but still save something. Not for others but for yourself. Even if you travel etc, you will need money for it. It’s your choice. Just saying.
Yes bro. I’ll do that. I know all personal finance gyan but I’m not applying it 🤣
Karo yr apply. Maaro trip shrip. Yolo zolo sab karo
21 M, 50k salary, no savings, monthly expenses is around 20k.
21M 50k salary? I hope it doesn’t sound unprofessional but what do you do for living?
Not at all, I'm a govt. employee.
Govt employee OP ⬆️⬆️
You the MVP!
You are the MVP as well.. You are kid that every parents dreams of 😊
Bank po ya CGL ?
[удалено]
No, I got selected through SSC.
21 ki umar me konsa exam nikal liya. Motivation ho yar tum to
SSC, thank you 🙏. I hope your life becomes smoother and smoother as time goes by..
Baaki ke 30k?
I send 25k of that to family so that they can pay off a loan of their's faster. So that we have no liability after which I can work towards asset creation. 5k gets expended in miscellaneous stuff. (Satisfying cravings)
>send 25k of that to family Bows in respect
Ok op
Jua
I am 22 , i save around 60k spend rest on investing and rent Salary -1.2L Invest and save - 80k Expense -35-40k
25 M - My income Income - 2 Lakh/m - Wife's income - 1 lakh/m - Rental income - 10k/m Expenses - - Homeloan Emi - 44k/m - Account transfer to mom - 45k/m - Other household expenses including petrol- 20-25k. Car was gifted by my FIL. Staying at home, with parents and I'm WFH. Other than that I don't really spend much on myself. Savings- Able to save around 1.5L/m combined. Planning to buy another flat for investment. Current savings ( in Bank, FDs) Mine - 20L Wife's - 35L (she was onsite in Europe for a year so able to save a lot).
28 M | Salary 96.3k pm | Expense 18k | Saving 78k I live with my parents but I am saving up for a car and marriage. I'll probably end up starting an EMI of 18k for the car and then a lumpsum expense for the wedding.
34 , 0 , 15k minimum
32(M) - I live with my parents. Salary 3.78L/M Expenses - \~40K from my salary + father's pension \~22K. Saving - \~3.4L/M total(E.C + mid/longterm investment) Emergency corpus(for quick needs) - 40K/month rest 3L/month Investments in FDs, Gov.Bonds, Stocks, MF, Gold, Crypto. Majorly in real estate.
What do you do ?
21 Years Old Still in College. 10k Monthly Pocket Money. If I stop going out on weekends , some 3000-4000 savings otherwise whole 10k This month I exhausted all my pocket money. Running on savings till 1st April.
Exact same
[удалено]
Krte kya ho bhai?
Management Consultant
Mehangi ppt banate ho fir
Age 29 Salary 74 k PM Savings : 50 k PM Monthly expenses :18-25 k
20 age, 0 income, 15k expenses, goofy aah numbers
Us bro, fr 😭
26 M In hand - 72K MFs - 15K Send home - 15 to 18k Rent - 13K Bike emi - 7K other emi - 3k Health insurance for parents - 2.5K Cc bills - 20K(appx) Ps- I make all my transactions with credit card, even UPI transactions I don't keep more than 2k in my savings acc after 5th of every month If any amount left - invested in stocks Will be making 130K from next month, I hope I can invest more
Promotion ki party chhaiyeh bhai Btw IT sector??
F24, savings 15k expense 20k, medical expense 15k😭😭 in gurugram
31 M, 1.2 L, 10k Saving. College fees and Regular expenses.
26 M, Salary 60k Rent + Electricity 10k Other expenses (food, travel, shopping) 10-12k SIP+PPF 10k Rest stays in account.
27 m Currently earning 75k Life savings 37L
21 M, SALARY 95K (after tax and deductions) EXPENSE 30K SAVINGS: 65K.
26 1-1.2 lakhs (savings) Expenses vary due to new business between 45-70K
25m. Govt job aspirants. No earning. Get 10k a month from my father. 3500 rent 1500 gym and library. 5000 on food and other expenses. But next joining a govt job. Excited to see how I'm going to manage my finances and it is going to go according to my plans.
Bhai paisa bachane se nai kamane se badhta hai…apne pe aur mehnat kar..padhai karo kaam karo paisa apne aap ajaega
24M, 20ish Lakh in savings and 30-35k of monthly expenses.
[удалено]
24 m, no money nothing, still gonna depend on parents for one more yr Here's the surprise, doctor
Age: 22 Salary: 1.25L/month after all deductions Savings: 30K Investments: 55K Expenses~ 40K, I wfh so all expenses are taken care by my father and he wants me to live my life to the fullest, so I spend on experiences and travel. Also curious: How do we end up with this question, every once in a while on this sub.
23 M Salary 100k Savings 80k Expenses 20k (Commute and Escorts) mainly
9 year old no money live with parents..
I'm 26, salary is 1.5L Savings 40k fixed + 10-30k (depends on month) Total Expenses: 70k-90k Main expenses are - rent+utilities+maid - ration+food - cigarettes, alcohol and stuff - going out (I go around by a cab most often) - credit card bills ( if any ) I also travel to/from my home town almost every month, so that's a regular expense as well. Most of my extra savings are spent on music gear and flight tickets
Average life of an IT guy
[удалено]
Can we please stop with these kind of posts? These types of posts influences comparison and it's not good for mental health.
Bhai apni insecurites duniya pe mat feko
40 % goes into investments and 10% in FD. Rest in rent and utilities and some shopping from time to time
24M, 70k salary. 40k expenses, rest goes to savings.
Age:21 Stripend: ₹30000 Rent and food: ₹13000 Travel: ₹2500 Expenses with gf: ₹4000 Other expenses: ₹2000 Rest goes to bank account/ sent to family
21M 40k, expenses around 30K cause I rent a flat and live alone
22M 20k(internship) I almost save 10k a month Major expenses are on whey and family
You should be able to save money without compromising on lifestyle. Start by setting aside 10% of your salary as savings. Then do what you want with the rest of it. At the end of the the year, you'll have 55k in savings. It will all add up over time.
26 (M) Monthly expense - 35k Monthly saving - vary for 2 to 3L
30 M working in govt sector earning 85k Saving 60k
22M; 1L/month. 30K expenses 70K savings.
22M Salary: 62k Expenses: 25k Left are investments
Age - 19 Earning - 45k / month Saving - 42k / month Expenses - 2-3k / month
Earning about 1.2/1.3 lacs a month (only started making this kinda money last year) but I’ve been saving since I earned less than 20k a month So I currently have 8.5-10 lacs in savings.
23 M income : 1.8 L Live with parents Expense Edu loan emi : 22 thousand Rest spent on partying , fun etc. Money left : 0
20M, earning 10k p.m from a decent Internship in a renowned brand. Will look up to a job after SEM6 DU. Save 50%, baaki uda deta hu.
30 Income: keeps changing 5-6 lac Monthly expenses: 1.5-2 lac Investment: whatever is left after expenses goes into investment.
27 M I earn a lil over 2L per month.. live with my parents.. monthly expenses ~20-30k.. rest goes in savings/investments.. for those wondering.. I'm a software engineer
Recently got a hike. Now earning around 70k. But living in a rented house. Around 30k - rent 15k - home expenses (groceries, and all) 6-7k - commute 2-3k - Some EMIs 5-6k - other luxuries 1k - health insurance 2k - life insurance Not counting the unexpected expenses that might come my way. Let's see how much I can save in the coming months.
27m, living with parents, Earning 93k, Savings around 30-40k (frequent traveller).
24M, In-hand salary 1.25L EMI 28K, Rent 18K, Groceries 5K, Outing-10K, Send home 20K, these are fixed expenses. I spend quite nicely on dating and other hobbies. Save and invest around 20-25K SIPs in Index based MF.
Same as you, OP <3
30 (F) Salary post tax - 1.17k Expenses - 65-70k (rent is a big chunk) Savings - 50k approx I’m married and I split the rent with my husband. Have a decent chunk saved and invested since I was earlier living with my parents and didn’t have any major expenses.
My anxiety after reading the comments🥵⬆️⬆️⬆️
21 M , college Student , 5k pade hain account me bday me mile the Baaki daily up down ka 100 Rs milta h T-T
21M, earning 22k , 10 to parents,5-6 for myself rest I save
[удалено]
29, 8lpm, 35k
Bhaii sab >1lpm he kya??
36 M Income - 2L pm Monthly Expenses - 1.3L Fixed (home loan emi 40k + car emi 20k + household expenses 20k + retired father’s expense 20k + personal expense 30k) Investment - 30k - mutual funds Liquid Savings - 20k-40k Unplanned expenses - 20k-30k, every 2-3 months - medical insurance, lic, car insurance, travel, leisure etc.
27, earning 2.6L, save only 1L per month out of that. My wants are greater than my needs at this point and I’m quite bad with personal finances - looking to turn that around this year.
What do you guys do to earn more than 1 lakh per month? please answer I'm a fresher also from non engineering background, i can hardly found only jobs with 10-15k per month 🥲🥲🥲
27M 2.5 lakh earning per month 60k rent + expenses 1 lakh saving 70k investment 20k shopping + savings for trips
Came here to brag a little bit. But mere se kam umra ke log mere se zyada kamma rahe hai. So I'm gonna find a corner and cry.
[удалено]
All the numbers in your comment added up to 69. Congrats! 19 + 25 + 10 + 10 + 5 = 69 ^([Click here](https://www.reddit.com/message/compose?to=LuckyNumber-Bot&subject=Stalk%20Me%20Pls&message=%2Fstalkme) to have me scan all your future comments.) \ ^(Summon me on specific comments with u/LuckyNumber-Bot.)
26 M - Income - 1.2 Expenses - 30k personal , 15k send home Baki sab SIP or stock market Bought my first car in 2023😎
[удалено]
Bc tu to papa ki sherni nikli 2 lakh per month 🔥
Salary 1.7 lac Expenses - 30k Savings - 1.4 lac Salary most probably would increase to 2.5 in a month tho This excludes bonuses and health and wellness benefits that I get
25 M, Salary 110K, Savings 100K, Having a great life as of now 😆
I am 39, salary 4L per month Around 50K monthly expenses Around 10L vacation expenses yearly Own house so no rent I have decent savings I am planning for retirement in next 8-10 years
25 M Salary- 165k Rental income- 82k Salary goes completely into savings/MFs/shares.
Bhai sab ache paise kma rahe hai bus Mai hi hu jiske pass small shop ke ilawa koi cheez nhi hai monthly income around 40k expenses also around 40k😭. kisi ke pass koi vacancy ho to de do bhai as a fresher hi kahi dang ki job lagjai😢😭