Moving to NCR for a Job: A First-90-Days Cash Worksheet

The move

All figures are hypothetical placeholders, not estimates for any part of NCR.

• Joining date: Thursday 15 October 2026.
• Monthly gross: ₹60,000, of which basic is ₹30,000.
• Salary assumed to be credited on the 1st or 2nd of the following month. Check your employer's pay date; it moves every figure below.
• Savings on the day you travel: ₹1,20,000.

Monthly in-hand

Employee PF is 12% of EPF wages up to the ₹25,000 ceiling in EPFO's wage ceiling FAQ, so ₹3,000 a month on a ₹30,000 basic. Salary for tax year 2026-27 is ₹32,903 for October plus five months at ₹60,000, or ₹3,32,903. That is well within the new-regime rebate on the department's slab page, so no TDS applies. A full month's in-hand is ₹57,000, before any professional tax your state levies.

October is prorated. From 15 to 31 October is 17 days, so gross is ₹60,000 × 17 ÷ 31 = ₹32,903. PF on prorated basic of ₹16,452 is ₹1,974, and in-hand is ₹30,929. First-month salary proration shows how a 30-day or working-day basis would change that figure.

The dated worksheet

Living costs are booked at each month-end for simplicity. If you spend them day by day, balances fall sooner, not later.

The balance dips below zero twice. The first dip, −₹2,000 on 31 October, is the one people plan for. The second, −₹4,071 on 30 November, is deeper and comes after the first salary has arrived. On these figures you need at least ₹1,24,071 of savings, plus a buffer for anything that goes wrong.

from datetime import date

# Hypothetical relocation. Replace every figure with your own quotes.
def cash_low_point(opening, events):
    balance, low, low_day = opening, opening, None
    for day, label, amount in sorted(events):
        balance += amount
        if balance < low:
            low, low_day = balance, day
    return low, low_day, balance

first_pay = round(60000 * 17 / 31) - round(0.12 * min(30000 * 17 / 31, 25000))
moves = [
    (date(2026, 10, 8), "travel", -6000),
    (date(2026, 10, 10), "guest house", -10000),
    (date(2026, 10, 14), "deposit", -36000),
    (date(2026, 10, 14), "rent Oct", -18000),
    (date(2026, 10, 14), "brokerage", -18000),
    (date(2026, 10, 18), "furniture", -25000),
    (date(2026, 10, 31), "living Oct", -9000),
    (date(2026, 11, 2), "salary Oct", first_pay),
    (date(2026, 11, 14), "rent Nov", -18000),
    (date(2026, 11, 30), "living Nov", -15000),
    (date(2026, 12, 1), "salary Nov", 57000),
    (date(2026, 12, 14), "rent Dec", -18000),
    (date(2026, 12, 31), "living Dec", -15000),
    (date(2027, 1, 1), "salary Dec", 57000),
]
low, when, end = cash_low_point(120000, moves)
print("first salary:", first_pay, "low point:", low, "on", when, "after 90 days:", end)
print("savings needed for a zero low point:", 120000 - min(low, 0))

Levers that move the low point

The furniture row is a warning: moving a cost later does not remove it. Here it simply moves the October dip into November, and the November low point is unchanged. Only a cost that goes away, like the brokerage, or more savings at the start, raises the low point.

The joining date is a stronger lever, but it moves everything. A 1 October start would give a full first salary, but the deposit and rent would fall in September. Rerun the worksheet with those dates rather than assuming it helps.

Before you sign

• Ask HR the exact pay date and whether a mid-month joiner is paid in the first cycle or the next.
• Ask whether any relocation support is an advance, a reimbursement against bills, or a payment through salary. The timing matters more for this worksheet than the label. Relocation allowance negotiation covers how to ask.
• Get the deposit, brokerage and notice terms of the flat in writing before paying, including when and how the deposit is returned.

A dated running balance is one of the first things a working analyst builds, whether for a household or a finance team. Our Data Analyst programme runs 3–4 months, live online with optional in-person labs at our Noida centre.