在印度，年薪400万卢比能过上什么样的生活

Is 40 LPA worth it in India compared to 30,000 AED in Dubai per month?

在印度每年400万卢比，以及在迪拜每月3万迪拉姆，生活相比如何？（注：1迪拉姆兑换1.98元）

以下是Quora网友的评论：

Manoj Singh

Well it depends what’s you want !!

But short answer is No.

In 40 lakh let’s say your inhand will be approx 2.80 lakh PM

In that amount , you can live in posch area , your kid could get admission in top notch school , you can drive good car, you can afford to party at luxury places !!

这取决于你想要的是什么！！

但简单点说，答案是否定的。

如果你的年薪是400万，假设到手280万左右。

有了这笔收入，你可以住在富人区，孩子可以入读顶级名校，你可以开得起好车，还可以办得起豪华派对！！

Now 30 K AED !! considering you have two kid

Rent at decent average location 8000

Bill /insurance 3000

Grocery 3000

fee of two kid with transport 12000

Still you can’t afford car and hospitals are quite costly here !!

if you don’t have kid then you can save .

现在来看看30万迪拉姆的生活！！假设你有两个孩子

租一套体面的一点的房子，租金8000

账单/保险3000

日常开销3000

养2个孩子费用和交通费12000

你买不起车，医疗费也很贵！！

如果你没有孩子，你是可以存下钱的。

Jaininder Alavadhi

I was very recently in Dubai for tourism and have friends there too.

So what I noticed that rent is a big thing there, depending on area you are in..

Calculate other expenses also, I believe you might be well off in India at 40LPA .

我最近才刚去迪拜旅游了一趟，也有朋友住在那里。

所以我发现当地的房租很贵，看你在哪个地区。

算上其他费用，我相信你在印度一年400万卢比可能会过得更富裕些。

PS maids are like 3k AED if you need full day support

Grocery can be 2k to 3k Aed any month

Cabs are like 60AED average

I reckon you should get minimum 45k AED so that you make more savings as compared to India in INR terms atleast and don't compromise on life.

如果你需要全天的服务，比如女仆，需要3000迪拉姆。

日常开销一个月要2000-3000迪拉姆

出租车的平均费用是60迪拉姆

我觉得至少得有4.5万迪拉姆，这样才可以在不需要牺牲生活品质的前提下多存点钱。

Mohansundar Mahadhevan

40 LPA in India will be approxmately 2.5 lakhs per month after tax considering it is fixed. Now 30k aed per month in Dubai will be tax free. 2.5 lakhs will be enough basis which city you choose to live. Just to give an idea you will be able to live an middle class lifestyle in Mumbai and Bangalore, in anyother two tier city you will be able to live an upper middle class lifestyle. One of my blood relative lives in dubai with around same income and I have seen them living an upper middle class lifestyle and the standard of living is far better than India.

扣掉固定的税，400万卢比年薪税后每月约为25万卢比。迪拜每月3万迪拉姆是免税的。在印度，25万卢比可以让你自由选择居住的城市。你可以在孟买和班加罗尔过上中产阶级的生活，在其他二线城市都可以过上上层中产阶级的生活。我有个亲戚住在迪拜，收入差不多，他们过的是中上阶层的生活，生活水平比印度好得多。

Pushpa Singh

The decision depends on various factors, such as your cost of living, lifestyle preferences, and career prospects in each location. A salary of 40 LPA in India might offer a comfortable lifestyle depending on where you live, while 30,000 AED in Dubai might provide a higher standard of living but with a potentially higher cost of living. Consider housing, taxes, healthcare, and other expenses when comparing these offers. Additionally, think about long-term career growth and opportunities in both places.

这取决于多种因素，比如你的生活成本、生活方式和在这两个地方的职业前景。在印度，400万卢比的年薪可能会让你拥有舒适的生活，具体看你住在哪里，而在迪拜，3万迪拉姆可能会让你拥有更高的生活水平，但生活成本也会更高。在做比较时，还要考虑住房、税收、医疗保健和其他费用。此外，还要考虑这两个地方的长期职业发展前景和机会。

Phanindra Kumar

30k is a good salary in dubai, even if u consider 20 conversion rate u are earning 6 Lpm. If you maintain moderate lifestyle u can save half of your salary. India u pay very high taxes on everything u purchase. Here there is no income tax, and indirect taxes are 5%. If your company pay for your childrens educational expenses then pack your bags. The major expenses will be housing and children education. Both of them are expensive in india as well. A decent 2bhk costs 5–7k per month. Iam not sure about dubai but in abu dhabi if you are single u dont need a car, public transport and cab service are excellent. Culture wise most of your neighbours would be indians in many localities, so no culture shock at residences. But remember the middle east work experience is not same as US/EU, when u want to return back check how your experience will be valued according to your industry standards. If you are in quitting mode after few years, this place is definetly good helps you with early retirement. Most of my single friends save 70% of their salary(16–18k per month)

3万迪拉姆在迪拜已经是不错的薪资水平了，相当于每个月60万卢比。只要你保持中等生活水平，就可以存下一半的工资。在印度，购买任何东西都要支付很高的税金。但迪拜没有所得税，间接税也只有5%。如果你的公司可以为你的孩子支付教育费用，那就赶紧收拾行囊出发吧。在迪拜生活，主要的开支就是住房和孩子的教育。这两样在印度也很贵。一个像样的2居室每月需要5 - 7千。我不知道迪拜怎么样，但在阿布扎比，如果你是单身，你是不需要车的，公共交通和出租车就很棒了。在文化方面，你的大多数邻居都会是印度人，所以居住环境也不会有文化冲击。但要记得中东的工作经验和美国/欧盟的工作经验是不一样的，如果你想回国，要注意你的工作经验在你的行业标准中是否适用。如果你几年后想要辞职，这里绝对能帮你实现提前退休。我的大多数单身朋友都会把他们工资的70%(每月16-18k)存起来。

Dinesh Y

Whether 40 LPA in India is worth it compared to 30,000 AED in Dubai per month depends on your individual circumstances and preferences. Here is a comparison of the two options to help you make a decision:

与迪拜每月3万迪拉姆相比，印度的400万年薪是否值得，取决于你的个人情况和偏好。下面我列出了两者的区别，可以帮您做出决定：

40 LPA in India

Pros: Higher salary Lower cost of living More opportunities to save money Ability to live closer to family and friends

Cons: Less job security Less opportunities for career growth Less access to international travel and experiences

印度的400万年薪

优点：工资更高，生活成本更低，存钱机会更大，可以离家人和朋友更近

缺点：工作保障少，职业发展机会少，国际旅行和体验机会少

30,000 AED in Dubai

Pros: Higher job security More opportunities for career growth More access to international travel and experiences Ability to live in a cosmopolitan city

Cons: Lower salary Higher cost of living Less opportunities to save money Harder to make friends and build a social life

迪拜的3万迪拉姆

优点：工作保障更高，职业发展机会更多，国际旅行和经验更丰富，能在一个国际化的城市生活

缺点：工资低，生活成本高，存钱的机会少，比较难交到朋友，建立社交生活

Ultimately, the decision of which option is better for you depends on your individual priorities and circumstances. If you are looking for a high salary and a low cost of living, then 40 LPA in India may be the better option for you. However, if you are looking for job security, career growth, and international opportunities, then 30,000 AED in Dubai may be the better option for you.

哪一种对你更有利，取决于你个人重视什么和你的个人情况。如果你希望收入高、生活成本低，那么印度的400万年薪可能更适合你。但如果你希望获得更好的工作保障、职业发展和国际机会，那么迪拜的3万迪拉姆可能更适合你。

Here are some additional factors to consider when making your decision:

以下是你做决定前需要考虑的其他因素：

Your lifestyle: If you have a comfortable lifestyle in India and are not looking to make any major changes, then 40 LPA may be enough for you. However, if you are looking to upgrade your lifestyle or save for the future, then you may need to consider a higher salary.

生活方式：如果你在印度过得很舒适，也没兴趣做出重大改变，那么400万卢比对你来说应该足够了。但如果你想要更好的生活方式或为未来存钱，那么你可能需要考虑寻找收入更高的机会。

Your family and friends: If you are close to your family and friends in India, then you may want to stay in India so that you can be close to them. However, if you are looking for a new challenge or a fresh start, then you may be open to moving to Dubai.

家人和朋友：如果你和印度的家人和朋友很亲近，那么你可能就想留在印度，和他们亲近。但如果你正在寻找新的挑战或新的开始，那么你可能愿意考虑搬到迪拜。

Your career goals: If you are looking to advance your career, then you may want to consider a job in Dubai. Dubai is a major business hub and there are many opportunities for career growth. However, if you are happy with your current job and are not looking to make any major changes, then you may be happy to stay in India.

职业目标：如果你希望得到职业发展，那么你可能会考虑在迪拜找一份工作。迪拜是一个重要的商业中心，有很多职业发展的机会。但如果你对目前的工作很满意，不想要有大的改变，那么你可能很乐意留在印度。

I hope this information helps you make a decision about which option is better for you.

我希望这些信息能帮助您做出选择。

Brittany Alex

From an AI perspective, the cost of living cannot be calculated solely in terms of salary.

Depending on such factors such as the cost of goods and services and the local tax rate, an individual earning 40 LPA in India might actually live a more comfortable lifestyle than someone working 30 000 AED in Dubai.

Additionally, certain resources such as housing and basic utilities will vary greatly between two locations and can be a major factor when deciding which one to choose.

The differences in residence and cost of living between these two regions will ultimately determine where it is more financially beneficial to live and work.

从人工智能的角度来看，生活成本不能光靠工资来计算。

根据商品和服务成本和当地税率等因素，在印度收入达到400卢比/年的人可能会比在迪拜收入3万迪拉姆的人生活得更舒适。

此外，这两个地方在住房和基本公用事业等资源上存在很大差异，可能会是左右人们决定的主要因素。

两地之间居住和生活成本的差异最终将决定在哪里生活和工作更划算。

Athul Anarkhan

First of all, while moving from country to country, donot use direct currency conversion factor (exchange rate). This doesn't reflect the correct conversion

Instead use what is called a PPP (Purchase Power Parity)

Lets consider your current salary

30000aed which on PPP corresponds to around 2.15L INR. This means those spends which you do with 30k aed in uae requires atleast 2.15L INR in India

首先，两国之间不能直接用汇率来比较，这样换算并不准确。

我们应该使用购买力平价(PPP)的对比。

我们先看看你目前的薪水

30000迪拉姆，按PPP计算约相当于21.5万卢比。这意味着你在阿联酋用3万迪拉姆花费的钱在印度至少需要21.5万卢比。

Now coming to 40LPA

Upto 10L approx tax - 1.25L

From 10L to 40L - 9L

PF + Gratuity should come around 2 - 3L

(Investment + HRA + Std deduction will give you some relaxation from tax )