We save 55 of every ₹100 we earn. Here's how, and where it goes.
No salary figures and no account balances: just the shape of how a family of four in Gurgaon runs its money. The split of our income, what we actually spend on, and a portfolio that's very different from the textbook.
Where every ₹100 of our income goes
Each square is one rupee out of a hundred. Tap a category to light up its squares.
Inside the 45 we spend
Every rupee we spend, grouped the way we think about it. Tap a row to see what's inside.
Where the 55 goes: my portfolio
Every asset has a job. Here's our family's portfolio by asset class, and the role each one plays.
Yes, I'm real-estate heavy. On purpose.
Property is the base of everything we own. It's leveraged with home loans, so our EMIs are really a forced, monthly investment. The trade-off is that it's slow to sell, so the rest of the portfolio has to provide income and flexibility. My full real estate journey is coming soon.
Five habits that make it work
More than half our income is saved and invested. If saving is whatever's left at the end of the month, it's usually nothing.
Term and health insurance together cost less than one rupee in every hundred we earn. It's the cheapest peace of mind a family can buy.
Travel is our biggest lifestyle expense, bigger than groceries and eating out put together. We plan for it, so we enjoy it.
Property is the foundation, alternatives boost income, gold is insurance, equity is the growth engine. If an asset has no job, it doesn't belong.
If it isn't double-digit, it's nothing. I track real returns, after fees, defaults and tax, not the number on the brochure. See my results →
What's your savings rate?
Two numbers, and nothing is saved or sent anywhere.
Every ₹100: you vs me
This is how my family manages its own money, shared for education. It isn't advice for your situation: incomes, families, goals and risk appetites differ. Figures are rounded percentages of our monthly income, spending and portfolio.