Your bank balance doesn't lie about the number.
It lies about what the number means.
Answer honestly. See the one figure no finance app in India shows you.
Your actual in-hand salary — after PF, professional tax, TDS, all deductions. Not your CTC. What actually arrives.
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Things you can't avoid — they leave your account whether you like it or not.
Include every SIP, recurring investment, and savings transfer. Even the small ones.
Be honest. This is where most people underestimate. Include the coffee, the Swiggy, the random weekend.
Parents. A sibling's rent. Paying back an uncle. Covering someone's expense. The stuff your bank statement has never once captured. Add each one — or skip if none.