Bengaluru techie hits Rs 1 crore net worth milestone before turning 30
The Redditor recounted his rise from a modest-income background and a lesser-known engineering college to landing a lucrative role at a product-based company
A Bengaluru-based software engineer’s financial journey — from earning just ₹15,000 a month while living in a shared PG to amassing a net worth of ₹1 crore before the age of 30 — has resonated widely online after he shared his story on Reddit.
In a post titled “Milestone Check: Started at 2.4 LPA at 23, Achieved ₹1 crore before turning 30”, the Redditor recounted his rise from a modest-income background and a lesser-known engineering college to landing a lucrative role at a product-based company.
Along the way, he steadily built wealth through disciplined investing and consistent financial planning.
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Humble beginnings
Starting his career in 2018, a fresh graduate from a modest engineering college, he landed his first job with a ₹2.4 LPA package.
Living in a shared PG room in Bengaluru, his early days were defined by meagre savings of ₹2,000 a month, and mindful spending of his miniscule salary.
But luckily, he got into a solid project, learned a lot, and developed connections with some amazing seniors.
PG life to pay hikes
Three years after his first job, he had scaled his income from ₹15,000 to ₹12 LPA — an offer he least expected.
After successfully managing to reduce his notice period to 15 days from his previous company, he joined the healthcare startup in April 2021 and stayed there for approximately one and a half years.
By December 2021, following a wave of resignations in his team, he began actively exploring more attractive job opportunities.
By 2022, he had 13 job offers in hand. “Some were amazing. Some looked like red flags dipped in glitter,” he added. He chose a reputed product company offering ₹32 LPA, and stock grants eventually took his total annual package to ₹45-50 LPA.
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Learning investments
His financial journey wasn’t without blunders. When he started working in 2018, he knew nothing about investments. "My idea of “saving” was just leaving money in my salary account," he said.
After his first switch in 2020, he finally had savings and had saved around ₹3-4 lakh in a few months. His first “investment” was a monthly-payout fixed deposit (FD) worth ₹3.5 lakh, which is now converted into a standard maturity FD.
But after watching YouTube finance content creators like Pranjal Kamra, he soon got introduced him to SIPs and mutual funds and compounding.
He started small and began investing Rs 5,000 in PPFAS Flexi Cap and ELSS to save tax. From 2021 to 2023, returns were negative, though skeptical, he stuck to it
He now invests ₹71,000 monthly via SIPs, and tracks his net worth with near-religious discipline. He has also bought term insurance, got ₹25L health insurance for himself, and added ₹10L coverage for his parents through his corporate plan.
Simple life
Despite his financial success, he leads a simple life — travelling often, indulging in food deliveries, yet remaining largely non-materialistic.
He uses an Android mobile phone he bought in 2019, his wardrobe is mostly free office t-shirts, and his footwear is a ₹250 pair of shoes with upgraded insoles.
The milestone
By 2025, at under 30, he touched a net worth of over ₹1 crore. His portfolio is a balanced mix of mutual funds, company stock, provident fund, FDs, and PPF.
Notably, his mutual fund corpus alone grew from ₹13 lakh in 2023 to nearly ₹39 lakh in 2025. His growth was not just in income, but also in financial wisdom.
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Future goals
He aims to achieve Financial Independence (FI) by 40 and hopes to retire by 45. For him, early retirement isn't about escape but about peace.
In the next 1–2 years, he plans to make another switch, probably his last major leap. By then, he believes his investments and savings should be enough to cover his expenses.
After retirement, he plans to focus on other things—health, travel, hobbies, maybe even helping others who are where he once was.
Parting advice
His message to young professionals is clear: Stay consistent. You don’t need to have it all figured out. Just keep moving. Be frugal where it matters, splurge where it counts, and never underestimate the power of compounding — not just in money, but in learning, resilience, and growth.