Splitt
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📊 Cost-of-living data — Numbeo, October 2026
Sources: Numbeo — Cost of Living in Mumbai (crowd-sourced, updated Oct 2026). Ranges in this article apply these figures to a couple with no children in a mid-range metro flat. Rent varies heavily by neighbourhood, so treat every figure as a guide, not a quote.
A couple's shared budget is mostly decided by one thing: the city, and inside the city, the rent. Here is a typical month for two people renting a 1BHK in a mid-range Indian metro (Bangalore, Pune, Hyderabad). Mumbai sits well above this; a small town sits below it.
Outside city centre
Cooking at home
Restaurants + delivery
Power, water, internet
Fuel, metro, autos, cabs
Outings, subscriptions
| Category | Mid-range metro | Share |
|---|---|---|
| 🏠 Rent (1BHK, outside centre) | ₹25,000 | 41% |
| 🛒 Groceries | ₹12,000 | 20% |
| 🍽️ Eating out & delivery | ₹8,000 | 13% |
| 🛺 Transport | ₹6,000 | 10% |
| 💡 Utilities + internet | ₹5,500 | 9% |
| 🎬 Leisure & subscriptions | ₹5,000 | 8% |
| Total shared / month | ~₹61,500 | 100% |
Excludes personal spending (individual clothes, phone bills, personal subscriptions). In Mumbai, rent alone pushes the total past ₹90,000; in a tier-2 city it can fall below ₹50,000.
| City | 1BHK rent (outside centre) | Couple total / month |
|---|---|---|
| Mumbai | ~₹34,000 | ₹90,000–₹1,40,000 |
| Delhi NCR | ~₹18,000 | ₹65,000–₹95,000 |
| Bangalore | ~₹18,000 | ₹60,000–₹90,000 |
| Pune / Hyderabad | ~₹15,000 | ₹50,000–₹75,000 |
| Tier-2 city | ~₹10,000 | ₹40,000–₹60,000 |
Rent figures blend Numbeo and local market estimates; day-to-day costs are broadly similar across metros, so the gap between cities is mostly rent.
Almost every couple underestimates two things: eating out and the small UPI payments that disappear from memory the moment they happen. A ₹260 dinner here, a ₹180 cab there, a ₹500 grocery top-up — paid instantly by whoever had their phone out, and forgotten by both of you by the weekend. Over a month that is easily ₹8,000–₹12,000 that nobody can account for, and it is the single most common reason the end-of-month number feels higher than it "should".
You do not need a shared bank account or a spreadsheet. The simplest setup two people can use in India:
That is exactly what Splitt does. It is free, it is built only for two people (not groups), there is nothing to install beyond a tap, and it never touches your bank — you settle with your own UPI app, whenever you like.
Track your shared spending for one month with your partner. The first month always surprises both of you.
Start tracking together →A couple renting a 1BHK in an Indian metro typically spends ₹55,000–₹1,00,000 per month on shared living. Mumbai is the most expensive (often ₹90,000–₹1,40,000 because of rent); Pune, Hyderabad and tier-2 cities are cheaper (₹40,000–₹70,000). Rent is the deciding factor.
Rent, by far — usually 35–50% of total shared spending. Numbeo puts a 1-bedroom flat in Mumbai at about ₹34,000 outside the centre and ₹59,500 in the centre; in Bangalore, Pune or Hyderabad the same flat is often ₹15,000–₹25,000.
Most couples track who paid and settle the difference by UPI (Google Pay, PhonePe, Paytm). Splitt keeps the running balance automatically — each of you logs a spend in seconds, it shows who owes whom, and you clear it with one UPI transfer whenever you like. Free, and built only for two.
Mumbai, mainly because of rent. A single person's monthly costs in Mumbai (excluding rent) are about ₹37,750 per Numbeo, with a 1BHK outside the centre around ₹34,000. Delhi NCR is cheaper on rent, so a couple usually spends less there.