Bengaluru Couple’s ₹38 Lakh Annual Expense Breakdown

New Delhi, January 9, 2026: A rare and candid look into the financial life of an urban working household has been provided by a Bengaluru-based married couple. On January 8, 2026, a video was shared by Kritagya Nayyar and his wife Ruchi, detailing their total expenditure for the year 2025. The footage, which has since sparked intense online debate, was narrated by the duo as they calmly listed their major costs, ranging from high-end travel to everyday domestic help. The total spending was revealed to be ₹38 lakh, a figure that has left many social media users both intrigued and astonished.

Housing, Groceries, and the Cost of Daily Life

The largest recurring fixed cost for the couple was noted to be their housing and maintenance, which totaled ₹5.5 lakh for the year. This was followed closely by their daily lifestyle and subsistence costs, with ₹6 lakh being spent on groceries, dining out, and various shopping requirements. It was also revealed that their household was supported by a domestic help whose annual salary amounted to ₹1.5 lakh. These figures have served as a reality check for many regarding the rising cost of maintaining a comfortable middle-class lifestyle in India’s tech capital.

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Travel, Insurance, and Family Priorities

Travel emerged as a significant luxury for the pair, with ₹4 lakh spent on three international trips and several domestic holidays. This amount was notably supplemented by the strategic use of credit card reward points. Beyond leisure, a responsible approach to the future was demonstrated, with ₹1 lakh allocated for comprehensive insurance policies. This included health coverage for themselves and Kritagya’s mother, as well as car and term insurance. A major one-time expense was also highlighted: a new car worth ₹11.2 lakh that was gifted by Kritagya to his father during the year.

Taxes, Fitness, and Investment Habits

An unexpected financial burden was encountered during the filing of income tax returns, where ₹3.5 lakh was paid in pending tax dues. On a more modest note, the couple’s annual fitness was maintained through a gym membership costing only ₹24,000. Miscellaneous expenses, including coffee runs and app subscriptions, rounded out the remaining budget. Crucially, the video clarified that the spending was balanced by disciplined savings, as it was revealed that ₹25 lakh had been jointly invested in mutual funds and other private instruments during the same period.

Sparking a Conversation on Financial Literacy

As of January 9, 2026, the video continues to trigger a flurry of reactions from netizens, with some praising the couple’s transparency and others questioning the high cost of domestic help. It has been argued by financial analysts that such public disclosures are vital for normalizing conversations about money and budgeting. By sharing their balance sheet, Kritagya and Ruchi have encouraged others to “grab a pen and paper” and define their own financial goals. The “₹38 lakh” breakdown remains a viral reminder that while Bengaluru offers a high-speed life, it comes with a price tag to match.