Only for married folks

Mujhe bhi aise questions puchna hai

Around 1 lakh

DINK, 30s. 3 ppl, 3 BHK Joint monthly expenses : Home Emi 0.7 Household 0.7 (maid, petrol, groceries, etc.) Parents' expenses - 0.2 Vacation earmark- 0.1

Discretionary individual spending is the tricky part. Mine is around 0.1-0.3, whereas spouse's is 0.3+.

Points to note : Once you get married, grow old, comfort and quality of life becomes very important. Even moreso for your parents. There will always be a sense of societally indicated level of lifestyle maintenance, which you can choose to adhere to as much as you want. Spouse's sense of spending is important, and you mentally handling that is even more important.
Delayed Gratification. Some ppl get used to scrimping from their initial days, some stay frugally happy, some expand expenses with salary, some have no sense of spending. A balance is what you need to strike, and start tracking spends (at least common expenses), using excel, apps like Splitwise., else expenses are money into an unknown drain. Set up SIPs so your investments are automated and there are no excuses to not invest.

+1

1.3 lakh per month.

Rent 32000 Loan 19400 Parents 10000 Credit card 40000 Other expenses 30000

40k - Rent and bills 10k - Groceries & essentials 10k - Weekend eating out, Travel & fun

Around 70k