'₹90 Lakh Year In Earnings, Still Trapped': Bengaluru Advisor Says Salary-cost Math Is Broken In India

A ₹90-lakh yearly income, 2 kids successful backstage school, and a swanky location successful Gurgaon — yet nan numbers don’t adhd up. That’s nan reality Bengaluru financial advisor Chandralekha MR says exposes nan harsh trap India’s upper-middle people can’t escape.

In a LinkedIn station that’s struck a nervus online, Chandralekha collapsed down nan monthly fund of a Gurgaon-based startup founder: ₹2.68 lakh successful EMIs for location and car, ₹65,000 successful schoolhouse fees, ₹30,000 connected staff, and ₹30,000 saved for a vacation. Add grooming, gifting, attraction and more, and nan full monthly walk hits ₹5 lakh. To clear that aft taxes, he needs ₹7.5 lakh a period — aliases ₹90 lakh a year.

“He created his ain trap and can’t respire successful it,” Chandralekha wrote, calling nan business some self-made and system-driven. “People opportunity this is luxury — and it is. But nan truth that it still sounds for illustration luxury is alarming.”

She based on these numbers aren’t outrageous for dual-income families successful Tier-1 cities. “A ₹3 crore location isn’t chaotic today. And unit — maid, nanny, cook, driver — is simply a necessity for moving couples pinch kids.”

The existent problem, she said, is structural: salaries are stagnant, but costs emergence nonstop. Real property appreciates astatine 6–8% annually, up of inflation. Top earners look astir 39% effective tax. Yet, nan mean municipality net remains conscionable ₹35,000 per month.

“₹1–2 lakh EMIs and ₹50K schoolhouse fees are communal now — but to spend that, you must beryllium successful nan apical 1%,” she added. “The salary-vs-cost equation is BROKEN.”

Published on: Jun 22, 2025 9:16 AM IST