Money, explained simply
Practical guides on loans, investing, tax and savings — written to pair with our calculators.
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Sukanya Samriddhi: Will It Pay for Your Daughter's Education?
SSY's ₹72 lakh maturity sounds huge — until you inflate college costs 18 years. When to open, the April-5 trick, the 50%-at-18 rule and the SSY+SIP split.
22 July 2026 · 4 min readNPS Tax Benefits: The Extra ₹50,000 Deduction Explained
NPS gives an extra ₹50,000 deduction over 80C in the old regime — and employer NPS (80CCD(2)) still cuts tax in the new regime. Here's how to claim both.
22 July 2026 · 5 min readNo-Cost EMI Isn't Free: The Real Cost of a Credit Card EMI
No-Cost EMI still bills you 18% GST on the interest, and card EMIs hide a processing fee too. See the true cost of a ₹60,000 card EMI, with worked ₹ maths.
21 July 2026 · 6 min readHow to Build Your First ₹1 Crore with SIPs
The exact monthly SIP to reach ₹1 crore at 12% over 15, 20 and 25 years, plus how step-up SIPs and return assumptions change the maths.
21 July 2026 · 7 min readHow Much Do You Really Need to Retire in India?
Your ₹50,000 today becomes ₹2.87 lakh a month at 60. Here's the real-return method to size your retirement corpus in India, with worked rupee examples.
21 July 2026 · 8 min readHow Much Home Loan Can You Get on Your Salary?
How much home loan can you get on your salary? The FOIR rule, an income-to-eligibility table, and why a ₹15,000 car EMI can cost you ₹16 lakh of eligibility.
21 July 2026 · 5 min readCTC vs In-Hand Salary: Where Does Your Money Go?
Your ₹12 LPA offer becomes about ₹85,000 in hand — here's where the rest goes: employer PF, gratuity, your PF and tax, plus a CTC-to-take-home table.
21 July 2026 · 5 min readSIP vs Lumpsum: Which Actually Makes You More Money?
Mathematically, lumpsum usually wins. Behaviourally, SIP wins. When each approach makes sense, what the data says, and the hybrid strategy that captures both.
19 July 2026 · 3 min readNew vs Old Tax Regime in FY 2026-27: A Simple Way to Decide
Budget 2026 kept the slabs unchanged. The break-even deduction rule, worked examples from ₹10L to ₹30L, and who should still pick the old regime in FY 2026-27.
19 July 2026 · 3 min readThe Home Loan Prepayment Playbook: Cut Years Off a 20-Year Loan
One extra EMI a year can cut ~3 years off a 20-year home loan. How prepayment works in India, when it beats investing, and where to deploy spare cash.
19 July 2026 · 3 min readEPF vs PPF vs NPS: Where Should Your Retirement Money Go?
India's three big retirement vehicles compared on returns, tax treatment, lock-ins and flexibility — and a practical order for filling each bucket.
19 July 2026 · 3 min read