India Spending Pattern Rank

Do you spend like other Indians in your income bracket? Find out.

Your Household

Monthly Spending by Category (₹)

72/100
Spending Health Score

Your Spending vs India Median (your bracket)

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How this is calculated

Your per-category spend is placed against HCES benchmarks
for your income quintile (Q1 poorest → Q5 richest).
Spending Health Score rewards a balanced allocation and a
healthy savings rate; it penalises overspending vs bracket.

Savings Rate = (Income − Total Spend) / Income
Recommended savings rate ≈ 20%.

Source: Household Consumption Expenditure Survey (HCES) 2022-23, MoSPI — India's first major consumption survey in 11 years. Benchmarks scaled by family size.

Disclaimer: Benchmarks are per-capita survey medians scaled to your family; personal circumstances vary. For awareness only, not financial advice.

Related Rank Calculators

💰 Income Percentile 🏦 Net Worth Rank 🔋 Financial Independence Age ⏰ Time Poverty Rank

Frequently Asked Questions

How much do Indians spend on groceries per month?

The median urban household spends about ₹3,100 per person per month on groceries (HCES 2022-23). The top 20% spend more than double.

What is the average monthly household expenditure in India?

Urban per-capita monthly expenditure averages around ₹6,996 and rural around ₹4,122 (HCES 2022-23).

How much should I save from my salary in India?

Aim for at least 20%. India's average household savings rate is about 18%; top earners save 28-42%.

What is the HCES survey?

The Household Consumption Expenditure Survey 2022-23 by MoSPI is India's first major consumption survey in 11 years.