Guides

Plain-English personal finance.

Written for Indian households, not finance professionals. Each topic links articles and free calculators so you can read, then act.

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Starter8 min read

Income Tax Slabs FY 2026-27

Income tax slabs, new vs old regime, 80C deductions, HRA, home loan interest — everything for ITR filing.

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Tax Planning

Income tax slabs, new vs old regime, 80C deductions, HRA, home loan interest — everything for ITR filing.

Tax Planning5 min

Income Tax Slabs FY 2026-27

Tax Planning5 min

New vs Old Tax Regime: How to Compare

Tax Planning5 min

Old vs New Regime for ₹12L Salary

Tax Planning5 min

Old vs New Regime for ₹15L Salary

Tax Planning5 min

Old vs New Regime for ₹20L Salary

Tax Planning5 min

Old vs New Regime for ₹25L Salary

Tax Planning5 min

HRA Exemption vs New Tax Regime

Tax Planning5 min

Is 80C Still Worth It Under Old Regime?

PPF vs ELSS for Tax Saving Under 80C NPS vs PPF vs ELSS: Which is Best?5 Heads of Income and How India Taxes You: A Complete Guide Salary Taxation in India: HRA, Perquisites, Gratuity, and Everything That Gets Taxed Capital Gains Tax in India: Equity, Debt, Real Estate, and SGBs Section 80C and All Major Deductions: The Complete Guide Income from House Property: How to Calculate Your Tax TDS, Advance Tax, and ITR Filing: How India's Tax Collection System Works NRI Investing and Taxation: NRE, NRO, FCNR, DTAA Explained Crypto and Digital Assets Tax in India: The 30% Rule GST Explained for Individuals and Small Business Owners Tax Loss Harvesting in India: Save Tax on Mutual Funds Every March Advance Tax in India: Who Pays It, How to Calculate It, and Deadlines Salary Structure Optimization: Legally Take Home More by Restructuring CTC Form 26AS and AIS Explained: What They Show and Why They Matter for ITR Tax on Interest Income: FD, Savings Account, PPF, Bonds — What's Taxable

Calculators:Income Tax Calculator New vs Old Tax Calculator HRA Calculator Home Loan Tax Benefit Calculator

Retirement & FIRE

Retirement corpus, FIRE calculations, EPF/PPF/NPS — how to know if you have enough.

Retirement & FIRE5 min

How Much Retirement Corpus Do You Need?

Retirement & FIRE5 min

Is ₹1 Crore Enough to Retire? (FIRE Guide)

Retirement & FIRE5 min

FIRE Number for ₹50,000/Month Expenses

Retirement & FIRE5 min

Can I Retire at 45 in India?

Retirement & FIRE5 min

Retirement Corpus for Couples in India

Retirement & FIRE5 min

SWP vs FD After Retirement

Retirement & FIRE5 min

EPF, PPF, and NPS in Retirement Planning

Retirement & FIRE5 min

Financial Goals by Age in India

Retirement Planning: How Much Do You Actually Need?How Gratuity Works: Formula, Tax Rules & What You're Owed Annuities, SCSS & POMIS: Funding Your Retirement Income Life-Cycle Investing: How Your Portfolio Should Change as You Age EPF Complete Guide: Contributions, Withdrawal Rules, EPS Pension, and UAN NPS Complete Guide: Tier 1, Tier 2, Tax Deductions and Exit Rules PPF Complete Guide: Contribution Limits, Interest Rules and Maturity Options VPF vs EPF: Why Voluntary PF Is One of the Best Investments Salaried Indians Ignore

Calculators:Retirement Calculator FIRE Calculator NPS Calculator EPF Calculator

Investing

SIP, mutual funds, PPF, ELSS, FD — compare options and understand returns.

Investing5 min

NPS vs PPF vs ELSS Comparison

Investing5 min

What is SIP? Complete Guide for India

Investing5 min

SIP vs Lump Sum for Goal Planning

Investing5 min

Mutual Fund Basics for India

Investing5 min

FD vs RD vs SIP for Short-Term Goals

Investing5 min

How an IPO Works in India: From Company Decision to Your Allotment

Investing5 min

Sensex and Nifty Explained: How India's Stock Market Indices Are Calculated

Investing5 min

Sovereign Gold Bonds: The Best Way to Own Gold in India

Equity Valuation Ratios: How to Tell If a Stock Is Cheap or Expensive Mutual Funds vs ETFs vs ETNs: What Should You Actually Use?Systematic vs Unsystematic Risk: Why Diversification Works (And Where It Stops)Asset Allocation Strategies: Strategic, Tactical, Core-Satellite, Dynamic How to Measure Your Portfolio's Real Performance: Sharpe Ratio, Alpha, IRR Bonds and Fixed Income Investing in India: G-Secs, Corporate Bonds, and Yield Curves REITs and InvITs in India: Invest in Real Estate Without Buying Property How to Read a Mutual Fund Factsheet: What Actually Matters Futures and Options Explained: What F&O Is and When It Makes Sense How to Invest Internationally from India: LRS, US Stocks, and Global Funds How to Read a Company's Annual Report: A Guide for Stock Investors Gold in India: Physical vs Gold ETF vs SGB vs Gold Fund Compared Mutual Fund Categories India: SEBI's 36 Categories Explained Simply Index Funds vs Active Funds: Why I Moved Most of My Portfolio to Index Funds Portfolio Rebalancing: When to Do It and How to Avoid the Tax Trap Dividend Investing in India: How Dividends Are Taxed Now and Whether It Makes Sense

Calculators:SIP Calculator PPF Calculator Lump Sum Calculator

Home Loan & EMI

Affordability checks, EMI calculations, home loan eligibility, rent vs buy — buy with clarity.

Home Loan & EMI5 min

Salary Needed for ₹75 Lakh House

Home Loan & EMI5 min

Salary Needed for ₹1 Crore House

Home Loan & EMI5 min

Salary Needed for ₹1.5 Crore House

Home Loan & EMI5 min

Home Loan EMI at 8%, 9%, 10% — Full Table

Home Loan & EMI5 min

Rent vs Buy in Bengaluru 2026

Home Loan & EMI5 min

How Home Loans Work in India

Home Loan & EMI5 min

How Much EMI Can You Afford?

Calculators:EMI Calculator Home Loan Affordability Calculator Rent vs Buy Calculator Home Loan Tax Benefit Calculator

Emergency Fund & Budgeting

How much to save, city-specific costs, 50/30/20 budgeting — the safety net basics.

Emergency Fund & Budgeting5 min

How Much Emergency Fund Do You Need?

Emergency Fund & Budgeting5 min

Cost of Living in Bengaluru 2026

Emergency Fund & Budgeting5 min

Cost of Living in Mumbai 2026

Emergency Fund & Budgeting5 min

Cost of Living in Delhi NCR 2026

Emergency Fund & Budgeting5 min

Cost of Living in Pune 2026

Emergency Fund & Budgeting5 min

Cost of Living in Hyderabad 2026

Emergency Fund & Budgeting5 min

Cost of Living in Chennai 2026

Emergency Fund & Budgeting5 min

50/30/20 Budget Rule for India

How to Calculate Your Net Worth 5 Personal Finance Ratios Every Indian Should Track How to Set Financial Goals That Actually Work 21 Behavioral Finance Biases That Are Wrecking Your Portfolio Goal-Based Investing: Build a Portfolio Around Your Actual Life Goals CIBIL Score in India: What Affects It and How to Improve It Debt Management: Good Debt vs Bad Debt, Prepayment vs Investing Freelancer Personal Finance: Tax, GST, Advance Tax, and Retirement Savings Financial Planning in Your 20s: The 7-Step Checklist Financial Planning in Your 30s: The Decade When Everything Changes Managing Money as a Couple in India: Joint Accounts and Financial Goals Credit Cards Done Right: Rewards Without Debt

Calculators:Emergency Fund Calculator

Estate Planning & Succession

Wills, nominations, succession laws, trusts, and gifts — how to ensure your assets reach the right people the right way.

Estate Planning & Succession5 min

Estate Planning in India: What It Is and How to Start

Estate Planning & Succession5 min

How to Write a Will in India

Estate Planning & Succession5 min

Will vs Nomination: Why Your Nominee Isn't Automatically Your Heir

Estate Planning & Succession5 min

India's 3 Succession Laws: Which One Applies to You?

Estate Planning & Succession5 min

Private Trusts in India: How They Work and When to Use One

Estate Planning & Succession5 min

Gift Tax in India: What's Taxable and What's Exempt

Calculators:Term Insurance Calculator Retirement Calculator

Savings Schemes, Debt & NRI

Government savings schemes, debt repayment strategies, and the NRI investment guide for India.

Savings Schemes, Debt & NRI5 min

Small Savings Schemes: SSY, SCSS, POMIS, NSC, KVP Compared

Savings Schemes, Debt & NRI5 min

PPF Complete Guide: Contribution Limits, Interest Rules and Maturity Options

Savings Schemes, Debt & NRI5 min

NPS Complete Guide: Tier 1, Tier 2, Tax Deductions and Exit Rules

Savings Schemes, Debt & NRI5 min

VPF vs EPF: Why Voluntary PF Is the Best Investment Salaried Indians Ignore

Savings Schemes, Debt & NRI5 min

Fixed Deposit Complete Guide: FD Laddering, TDS, and the Auto-Renewal Trap

Savings Schemes, Debt & NRI5 min

FD vs RD: Which Is Better for Your Savings Goal?

Savings Schemes, Debt & NRI5 min

How to Pay Off Debt Faster: Avalanche, Snowball, and Blizzard Methods

Savings Schemes, Debt & NRI5 min

NRI Investment Guide: NRE vs NRO vs FCNR Accounts and FEMA Rules

Calculators:PPF Calculator EMI Calculator SIP Calculator

Insurance Planning

How much life cover you need, term vs endowment, health insurance basics.

Insurance Planning5 min

Home Loan Prepayment vs Investing: What to Do With Extra Money

Insurance Planning5 min

Home Loan Balance Transfer: When It Saves You Money and When It Doesn't

Insurance Planning5 min

Education Loan India: 80E Tax Benefit, Moratorium, and Repayment Strategy

Insurance Planning5 min

How Much Term Insurance Cover Do You Need?

Insurance Planning5 min

Term Insurance for ₹10 Lakh Salary

Insurance Planning5 min

Is ₹1 Crore Term Cover Enough?

Insurance Planning5 min

Health Insurance for Parents in India

Insurance Planning5 min

Term vs Endowment Insurance

Health Insurance Basics for India What Is Financial Risk? A Guide for Indian Families How Insurance Actually Works: The 5 Principles Term, Endowment, ULIP, Money-Back: Which Is Right?Health Insurance: What Your Policy Actually Covers IRDAI Explained: Your Rights as a Policyholder Why KYC Exists: Money Laundering, PMLA 2002 Explained Term Insurance in India: How Much Cover You Need and How to Choose Health Insurance in India: Base + Super Top-Up Strategy Explained

Calculators:Term Insurance Calculator Health Insurance Calculator

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