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ATQ, Let the initial monthly income of Neha be Rs. '100p'. Monthly expenditure of Neha = 80% of 100p = (0.80) × 100p = Rs. '80p' Monthly savings of Neha = 100p - 80p = Rs. '20p' New monthly income of Neha = 120% of 100p = (1.20) × 100p = Rs. '120p' New monthly expenditure of Neha = 115% of 80p = (1.15) × 80p = Rs. '92p' New monthly savings of Neha = 120p - 92p = Rs. '28p' Increase in monthly savings = 28p - 20p = Rs. '8p' Required percentage = (8p/20p) × 100 ~ 40%