You earn more now than you did 5 years ago, so why does it feel like you save about the same, or less? You're not doing anything wrong; this just happens to almost everyone. This calculator lines up your savings rate then vs now, shows what share of each raise slipped into everyday life, and what your corpus could look like if you gently held the line from here.
Lifestyle inflation isn't a moral failing, it's just the default setting. Income goes up, the rent rises to meet it, the car gets nicer, the holiday gets longer. Five years on, you're earning twice as much and saving about the same. It happens to almost everyone, and noticing it is the whole win.
The fix isn't spend less and feel deprived. It's gentler than that: save each raise before it reaches you, auto-debit it to your SIP the day the increment lands, then live comfortably on the rest. Your lifestyle happily settles into whatever's left, and you barely feel the difference.
