A Study of Income Level Affects Budgeting and Saving Decisions Among Individuals in Bangalore.

Author(s)	Mr. Anish Kumar H S, Dr. Suresh Mani
Country	India
Abstract	Income level plays an important role in influencing an individual’s budgeting and saving decisions. This study examines how people from different income groups manage their income, expenses, and savings. Low-income individuals mainly focus on basic needs, while middle- and high-income groups balance savings, investments, and future financial goals. The study also highlights the impact of financial literacy, inflation, and economic uncertainty on saving behavior. The objective of this research is to understand the relationship between income level and financial decision-making, and how it affects budgeting and saving habits among individuals.
Keywords	Income Level, Budgeting, Saving Decisions, Financial Behavior, Personal Finance, Financial Planning, Income Groups, Savings Habits, Financial Literacy, Consumer Spending
Field	Business Administration
Published In	Volume 8, Issue 3, May-June 2026
Published On	2026-05-23

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