A 28-year-old government employee from Delhi has gone viral after revealing she spends only ₹25,000 monthly despite earning ₹90,000 in hand. According to reports from Mint, Kritika, who works as an Assistant Section Officer, recently posted a video on Instagram detailing her monthly budget breakdown. The breakdown quickly attracted attention online, with many users discussing her spending habits and savings potential. As reported by Mint, Kritika stated in the video, "I know it's a bit less, but this is how much I spend as a 28-year-old government officer living in New Delhi."
Accommodation represents the largest recurring expense for Kritika, who lives in a two-bedroom apartment with a flatmate in Delhi. According to Mint, her share of the rent comes to ₹11,500 per month, making it the single largest component of her monthly spending. By sharing the apartment, she is able to keep her housing costs relatively manageable compared to renting an entire flat independently. Additionally, she employs a maid who cooks food and assists with household work for ₹5,000 per month, with Kritika contributing ₹2,500 of this cost.
Kritika keeps spending on restaurant meals and food deliveries under control, limiting it to around ₹2,000 every month because she prefers home-cooked food. As reported by Mint, she spends between ₹4,000 and ₹5,000 on groceries and household supplies, including purchases through quick-delivery platforms such as Blinkit and Zepto. For transportation, she relies on a scooty instead of cabs or public transport for most daily travel, with monthly petrol expenditure of approximately ₹1,500. She also mentioned that she does not pay an electricity bill and thanked the Delhi government for it.
Unlike many young professionals who pay for multiple streaming platforms, Kritika avoids separate spending on OTT subscriptions and uses shared access to entertainment services such as Netflix through family members and friends. According to Mint, for personal shopping, she sets aside a separate budget of ₹3,000 to ₹4,000 every month on clothing, beauty products and other personal purchases through platforms such as Myntra and Nykaa. Her utility expenses remain limited at around ₹1,000 per month on services such as WiFi, cooking gas and RO maintenance.
After accounting for rent, food, groceries, utilities, transport and shopping, Kritika's regular monthly expenses add up to roughly ₹25,000, as reported by Mint. She clarified that this figure only covers recurring costs and does not include occasional expenses such as vacations, furniture purchases, travel plans or major household items. Responding to questions in the comments section, Kritika disclosed that she receives ₹90,000 as her monthly in-hand salary and shared that she cleared the SSC CGL examination in 2022 and currently works as a Level 7 government employee. The post triggered conversations around financial discipline, urban living costs and long-term savings, with users noting that ₹25,000 is actually a decent amount for one person and emphasizing the importance of investing and growing wealth for future growth.
