Blog
Straight answers to the money questions people actually search — quick reads that link to the calculators so you can run your own numbers.
How long will ₹1 crore last if you withdraw ₹50,000 a month?
Hold the withdrawal flat and ₹1 crore looks like it never runs out. Raise it 6% a year for inflation and it's gone in 362 months.
5 Aug 2026 · 6 min read
LoansA 9% flat-rate car loan is really 15.7%
A flat rate charges interest on the full loan for the whole tenure. Converted properly, ₹8 lakh at "9% flat" over five years is 15.71%.
5 Aug 2026 · 6 min read
RetirementTwo months of notice can be worth a full year of gratuity
A part-year of service only counts once it runs past six months. Past that line it becomes a full year; short of it, it's dropped. At ₹50,000 basic + DA, that line is worth ₹28,846.
5 Aug 2026 · 4 min read
TaxYour 20% hike, after tax: what actually reaches your account
A ₹2,50,000 raise adds about ₹11,346 a month in hand — just over half of it. Where the rest goes, and why the ₹12 lakh tax line matters more than the percentage.
5 Aug 2026 · 5 min read
InvestingMaking charges and GST: what 10 grams of gold really costs
The quoted gold rate is not the bill. At a 12% making charge plus 3% GST, 10 grams of 22K bills 15.4% above the rate — here is the arithmetic.
5 Aug 2026 · 6 min read
InvestingHow much should you invest monthly to reach ₹1 crore?
The monthly SIP needed for your first crore — and how the number shrinks dramatically the earlier you start.
24 Jun 2026 · 5 min read
InvestingStarting your SIP at 25 vs 35: the ₹2 crore difference
The same ₹5,000 a month, started ten years earlier, can end up worth more than three times as much. Here's why.
23 Jun 2026 · 4 min read
TaxBest tax-saving investments in India (2026): a simple guide
ELSS, PPF, NPS, tax-saver FDs and more — what each saves, who it suits, and how the new regime changes the maths.
22 Jun 2026 · 6 min read
RetirementHow much money do you actually need to retire in India?
A simple way to estimate your retirement number — and the monthly SIP that gets you there.
21 Jun 2026 · 6 min read
Banking & DepositsEmergency fund: how much you need and where to keep it
The first thing to build before you invest — how big it should be, and the right place to park it.
20 Jun 2026 · 4 min read
Loans5 ways to pay off your home loan years early (and save lakhs)
Small, smart moves on a 20-year loan can cut years off the tenure and save lakhs in interest. Here's how.
19 Jun 2026 · 5 min read
LoansHow to check and improve your credit score (CIBIL) in India
Your credit score quietly decides your loan approvals and interest rates. How to check it free and raise it.
18 Jun 2026 · 5 min read
InvestingGold vs FD vs Nifty 50: where would ₹1 lakh be after 10 years?
Three popular places Indians park money — how they actually differ on returns, risk and what they're for.
17 Jun 2026 · 5 min read
InvestingBest ways to invest ₹1 lakh in India (2026)
Got a lump sum? Where ₹1 lakh fits best depends on when you need it — short-term safety vs long-term growth.
16 Jun 2026 · 5 min read
LoansHow much home loan can you actually afford?
Banks will lend you a lot — but the EMI you can live with is a smaller, smarter number. Here's how to find it.
15 Jun 2026 · 5 min read
InvestingHow much of your salary should you save and invest?
The 50/30/20 rule, why your savings rate matters more than your returns early on, and how to actually stick to it.
14 Jun 2026 · 4 min read
Banking & DepositsIs PPF still worth it in 2026?
Tax-free, government-backed and ~7%+ — where the Public Provident Fund still shines, and where it doesn't.
13 Jun 2026 · 5 min read
InvestingHow to build a fund for your child's education
Education costs are inflating fast. A simple, early plan can make even a big number comfortably reachable.
12 Jun 2026 · 5 min read
InvestingGot a bonus? Smart ways to invest a windfall
A lump sum is a rare chance to leap ahead — if you don't let it leak into lifestyle. A simple priority order.
11 Jun 2026 · 4 min read
InvestingMutual fund fees that quietly eat your returns
Expense ratio, exit load and direct vs regular plans — small percentages that cost lakhs over decades.
10 Jun 2026 · 5 min read
RetirementNPS explained: how it works, returns & tax benefits
The National Pension System offers an extra ₹50,000 tax break and low-cost retirement investing — with a few catches.
9 Jun 2026 · 6 min read