Sample Budget Breakdown for ₹40,000 Salary

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Sample Budget Breakdown for ₹40,000 Salary

CategoryAmount (₹)
Fixed Expenses
Rent/Household Expenses12,000
Utilities (Electricity, Water, etc.)2,500
Groceries4,000
Insurance (Health, Life, etc.)1,500
Loan EMIs/Repayments5,000
Transportation2,000
Variable Expenses
Eating Out2,000
Entertainment1,500
Personal Care (Shopping, Grooming, etc.)1,000
Savings & Investments
Emergency Fund3,000
Retirement Savings3,000
Investments (SIPs, Mutual Funds, etc.)3,000
Debt Repayment (if applicable)2,000–4,000
Total40,000

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