Urban India's Relationship With Money

Q1. Which of these best describes you right now?

Student — college or postgrad, mostly dependent income or part-time work

Early career professional — working 1–4 years, first or second job

Urban professional — settled in career, salaried or freelance, managing own finances

Self-employed / business owner — variable income, mixing personal and business expenses

Homemaker — managing household finances, not independently employed

Parent with dependents — managing family finances, school fees, EMIs etc.

Something else — none of the above quite fits

Q2. When did you last actually look through your bank statement?

Within the last week

Honestly can't remember

Q3. How many paid subscriptions do you think you have right now? Include streaming, apps, cloud storage, gym, anything recurring.

Q4. Have you ever discovered you were paying for something you had completely forgotten about?

Yes — and it had been going on for months

Yes — caught it fairly quickly

Not that I know of — but who knows

Q5. Small daily spends — coffee, food delivery, random UPI payments — do you ever think about how much they add up to?

Yes, I actively track this

Occasionally, but not seriously

I prefer not to know honestly

Never thought about it

Q6. If you wanted to understand where your money went last month, what would you actually do?

Open my bank app and scroll through transactions

I track expenses on Excel Sheet/ Notes App on my phone

Check a budgeting app I use

Try to remember mentally

I wouldn't bother — too much effort

Q7. How comfortable would you be sharing read-only access to your bank transactions with an app — if it meant getting automatic insights with zero manual effort? The app sees your data, can't move money, shows you patterns.

Very comfortable — I'd do it immediately

Comfortable if the brand felt trustworthy

Hesitant — I'd need a lot more info first

Not comfortable at all

Q8. Do you currently have any EMIs, loans, or financial goals you're working towards? Home loan, personal loan, credit card dues, saving for a trip, anything.

Yes — and it feels tight some months

Yes — but I manage it comfortably

No loans but I have a savings goal

No, neither right now

Q9. If an app showed you — "you're spending ₹3,200/month on things you don't use, that's exactly your loan EMI" — would that change how you think about those spends? No product being pitched here, genuinely curious about the psychology.

Yes — that framing would actually hit differently

Maybe — depends on how it's shown

Probably not — I already know I overspend

No — I'd ignore it like every other finance app

Q10. What's the biggest reason you haven't cut down on unnecessary spends even when you know they exist?

Too much effort to track and cancel things

I tell myself I'll use it eventually

The amounts feel too small to bother with

I don't have a clear reason to cut — no goal pushing me

I genuinely didn't know I was spending that much