How to Calculate Real Monthly Expenses Before Moving in 2026
Team MyKamra
Broker quotes ₹12 k rent and says “bas”. Don’t fall. Add the invisible bills and you’ll see ₹19 k. Use this 2026 calculator template and pack the right budget.
1. Fixed Rent Items
- Rent – ₹12 000
- Maintenance – ₹1 200 (₹2/sqft on 600 sqft)
- Parking – ₹500 (if not included)
- Metro/Water – ₹300
Sub-total: ₹14 000
2. Variable Living
- Electricity – ₹700 (no AC) / ₹1 800 (with AC)
- Wi-Fi – ₹499
- LPG/Cooking – ₹400
- House-help – ₹1 200 (optional)
Sub-total: ₹2 800
3. Food Reality
Breakfast ₹60 × 30 = ₹1 800 Lunch box ₹90 × 25 = ₹2 250 Weekend outside ₹600 × 4 = ₹2 400 Total food: ₹6 450
4. Commute
Metro pass ₹1 050 + last-mile ₹150 = ₹1 200
5. Fun & Subscriptions
Netflix split ₹200, gym ₹599, beer ₹800 → ₹1 600
6. Hidden Annual Hits
Room deep-clean ₹500 × 4 = ₹2 000/12 = ₹167 Festival gift travel ₹3 000/12 = ₹250 Total monthly hidden: ₹417
Grand Total
₹14 k + ₹2.8 k + ₹6.45 k + ₹1.2 k + ₹1.6 k + ₹0.4 k = ₹26 450 Buffer 10 % → ₹29 k real cost.
Plug your numbers into MyKamra Cost Calculator – auto-adds city-specific metro, electricity slab, food prices.
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About Team MyKamra
Team MyKamra audited 1 000 urban budgets – we counted every beer and inverter bill.