Sample Budget Breakdown for ₹100,000 Salary

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Sample Budget Breakdown for ₹100,000 Salary

CategoryAmount (₹)
Fixed Expenses
Rent/Household Expenses30,000
Utilities (Electricity, Water, Internet)3,500
Groceries7,000
Insurance (Health, Life, etc.)2,500
Loan Repayments (EMI)8,000
Transportation4,000
Total Fixed Expenses54,000
Variable Expenses
Eating Out & Dining4,000
Entertainment3,000
Personal Care2,500
Fitness (Gym, Yoga, etc.)1,500
Miscellaneous2,000
Total Variable Expenses12,000
Savings & Investments
Emergency Fund7,000
Retirement Savings (PPF, NPS)6,000
Investments (SIPs, Mutual Funds, etc.)12,000
Gold/Other Assets4,000
Total Savings29,000
Debt Repayment
Credit Card Repayment4,000
Loan EMI8,000
Total Debt Repayment12,000
Total Expenses + Savings100,000

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