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A Bengaluru couple shared how they spent and invested ₹38 lakh in 2025. (Instagram/kritagya.nayyar)
The clip features Nayyar and his wife Ruchi voicing over moments from their year, calmly listing where their money went. “This is how much we have spent and invested in 2025 as a married couple living in Bangalore. Most expensive was 5.5 lakh on rent plus maintenance, another 6 lakhs for groceries, eating out, and all the shopping, and 1.5 lakhs for our maid didi’s yearly salary,” the couple says in the video.
Insurance, travel and family priorities
They go on to explain that insurance formed another significant category of expenditure. “Next is 1 lakh for the most important category which is health insurance for me, Ruchi, and my mom, term insurance for myself, car insurance, and also a corporate medical insurance top up,” Nayyar says.
Daily commuting costs, including Uber rides, car petrol and servicing, added up to nearly ₹1.4 lakh. Travel was another major expense. The couple revealed they took three international trips along with several domestic ones, spending around ₹4 lakh, supplemented by credit card points. “Specifically on our US trip, we ended up spending 2 lakh rupees on shopping. Stay and food was free because my sister lives there,” they added.
Big ticket expenses and total outgo
Among the largest single expenses was a gift for family. “I had gifted my dad a new car for 11.2 lakh rupees,” Nayyar shared. Tax dues also came as an unexpected burden. “At the time of ITR filing, we found out that we had some pending tax to pay, so 3.5 lakh rupees worth tax dues.”
Other costs included a gym membership of ₹24,000 for the year and miscellaneous spending such as app subscriptions, coffees and leftover wedding expenses, amounting to around ₹1.5 lakh. Adding everything up, the couple stated, “So, all these together, total expenses in 2025 are 38 lakh rupees.” They also noted that apart from expenses, they jointly invested ₹25 lakh in mutual funds and other private instruments.
Watch the clip here:
Mixed reactions from viewers
The post triggered a flurry of reactions in the comments section. One user questioned a specific expense, writing, “1.5 lac for House Help in a Year! Seems extremely high!” Another viewer kept it simple, saying, “Love your reels.” A third comment read, “Thanks for being transparent and sharing this reel.” Some admired the openness, with one user writing, “This is so cool,” while another added aspirationally, “I also want this kind of life in 2026.”
HT.com has reached out to them for their comments, and the copy will be updated once their response is received.
(Disclaimer: This report is based on user-generated content from social media. HT.com has not independently verified the claims and does not endorse them.)
