In 2025, with prices rising everywhere, many Indians still manage a good life on ₹30,000 a month. How? Their better habits are now attracting attention.
Smart budgeting with the 50/30/20 rule
Many people follow the 50/30/20 rule: 50% needs (like rent and food), 30% wants (like entertainment), and 20% savings. This budgeting rule can help people budget smartly and save regularly.
Living in affordable cities
Costs of living vary throughout India, many people find it more affordable to live in a city such as Hyderabad or Pune. For example, a person living in Hyderabad might pay ₹10,000–₹16,000 for rent, ₹5,000–₹8,000 for food, and ₹3,000–₹5,000 for transport.
Using technology to save
Apps like Daily Expense Tracker can help individuals track their spending. Tools, such as UPI, also help individuals pay and track their spending by securely transferring money.
Save regularly
Even within low budgets, many young Indians save 20–30% of their income, investing in stocks, mutual funds, or fixed deposits and allowing their money to grow.
Eliminating Unnecessary Expenses
People are cutting costs by cooking at home, canceling subscriptions no longer used and consciously not impulse buying. This allows for being within budget.
Conclusion
It's practical to live on ₹30,000 a month if you plan and stick to your objectives. Budgeting, choosing where to live carefully, taking advantage of new technology, saving money consistently and cutting any unnecessary drains on costs, means many average Indians are reaching financial stability. They are acting as role models for others who wish to better manage their finances.
