Don’t Know Where My Money is Going: Bengaluru Techie Earning 45 LPA Says He Feels Broke Every Month

While being paid with a high income is a great achievement, now, as per a techie based in Bengaluru, he says he is not satisfied with the amount he is getting paid. He has shared a post where he explains the reasons and now the post is getting viral.

Here is the scenario, an interview with a Bengaluru based software consultant from a year ago is going viral once more, prompting a debate about salaries and savings on X. Surya consulted with Anshuman Sharma, a mutual fund consultant, about his significant costs and lifestyle inflation in order to maximize his investments.

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Surya informed Sharma throughout their discussion that he has called Bengaluru home for the past 14 years and is now employed as a software consultant. He receives Rs. 2.45 lakh in monthly take home income or Rs. 45 lakh in annual salary. Surya finds it challenging to save money even with this very generous salary. He has a family to feed.

India has more of an issue of poor financial planning than inflation🇮🇳 Take this guy from Bengaluru who has an in-hand salary of ₹2.45L pm (post tax) > He pays ₹11k fee for his only son’s nursery fee (+3L admission fee) > His wife doesn’t work beside a baking business as… pic.twitter.com/WIjYXWf5L1 — do’o kappa (@viprabuddhi) June 28, 2026

Let’s understand his financial breakdown. Surya stated that the majority of his salary was spent each month on EMI payments for his house loan. Anshuman Sharma, a mutual fund advisor, said his EMI of Rs. 63,000 is a decent amount as it is less than 30% of his income. His expenses reveal that he also spends Rs. 11,000 every month on his son’s school fees. He spent Rs. 12,000 on food and groceries and Rs. 20,000 he spent on other expenses.

Surya spends approximately Rs. 32,000 every month on eating out, trips and purchasing. The segment of his expenditure breakdown that generated a discussion online was that the amount he spends goes much in utility and necessity and he feels broke.