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IT Couple in Mumbai (Double Income) Combined Monthly Income: ₹2,50,000 Net after deductions: ₹2,05,000 Expenses: Home Loan EMI: ₹70,000 Child Daycare School: ₹22,000 Groceries Essentials: ₹14,000 Car Loan Fuel: ₹18,000 Electricity Internet Mobile: ₹6,000 Insurance (Term, Health): ₹5,000 Domestic Help: ₹4,000 Eating Out, Leisure: ₹10,000 Parents’ Support Misc: ₹10,000 Total: ₹1,59,000 Surplus: ₹46,000 — looks good, but actual savings depend on consistency and emergencies Changes they can make Sur
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