A married professional duo residing in Bengaluru has spoken candidly about how they handle their monthly outflows, long-term financial roadmap, and everyday life in India’s leading technology hub.
In an interaction with HT.com, Ekansh and Radhika, who are both employed as Senior Product Managers in the city, discussed how they organise their finances as a dual-income household. Ekansh is associated with the SaaS firm Vonage, while Radhika works with Oracle. Together, they navigate the financial demands that come with living in one of Bengaluru’s upscale residential areas.
They explained that their spending patterns are shaped largely by the cost of residing in a high-end neighbourhood. On average, their total monthly household expenditure stands at nearly ₹1.5 lakh.
Accommodation forms the largest share of their expenses. The couple pays ₹60,000 each month in rent for a two-bedroom flat situated within a premium gated community. Their grocery bills amount to roughly ₹15,000 per month. Essential services—including electricity, internet connectivity, and society maintenance charges—collectively add another ₹15,000 to their monthly commitments.
Transportation and daily commuting costs come to around ₹10,000. In addition, they allocate approximately ₹25,000 toward discretionary lifestyle choices such as eating out, entertainment experiences, and online subscriptions. Travel is also a priority for them, and they intentionally reserve ₹25,000 every month specifically for trips and vacations.
The couple shared that marriage prompted a fundamental shift in how they viewed money. Instead of managing two independent salaries, they began operating as a single financial unit. Their earnings are channelled into four clearly defined segments: individual discretionary funds for each partner, a joint account dedicated to fixed household obligations, and a savings pool.
The personal allocations allow each of them to spend freely without scrutiny, while household expenses are carefully tracked and controlled. Whatever remains after covering these categories is directed toward savings. They strive to set aside nearly half of their combined income and consciously avoid expanding their lifestyle proportionately with salary hikes, ensuring that their savings rate strengthens over time.
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