29M earning 1.55L pm. Still 5-9k remains in account at month end. Help please

Adding my estimated expenses and last year's expenses. My estimated expenses: Monthly Expenses: 15000 SIP:20000 Outside food: 2000 Travel, extra kharcha: 5000 Internet nd mobile: 1200 Clothes: 3000 Car: 2500 House related bill: 3000 Medical: 5000 Baby: 5000 Fixed: 20000 House Related items: 2000 Personal items: 500 Total: 78700 Loan: 70000

Grand Total: 148700

Last Year expenses:(Jan - Dec 25) Income: 1964962 Expenses: 1862553

Here Fixed(LIC+sukanya+ppf),medical so high due to hair loss treatment and wife's post pattum recovery

We are family of 3( H,W nd baby)