Money, in plain words.
Short guides with live diagrams you can play with. No jargon without an explanation, no products to sell you.
Salary, take-home and income tax
The new tax regime, explained in five minutes
How the FY 2026-27 slabs actually work, why ₹12.75 lakh of salary is tax-free, and what you can and can’t claim.
CTC vs in-hand — where your salary actually goes
Your offer says ₹15 lakh. Your bank sees about ₹1.1 lakh a month. Here’s every rupee in between, and what you can change.
Old vs new regime — who should still choose old?
The old regime only wins above a certain level of deductions. See that line for every salary, and the profiles that cross it.
Loans, EMIs and paying off debt
How EMI works — and why early EMIs are mostly interest
Watch a loan’s EMI split between interest and principal month by month, and see why tenure and early prepayments matter so much.
Prepay your home loan or invest the money?
A fair, rupee-for-rupee comparison — and a simple way to decide based on your loan rate, your returns and your temperament.
SIPs, deposits and investing
The power of compounding — why starting early beats investing more
Two friends invest the same monthly amount. One stops at 35, one starts at 35. The result surprises almost everyone.
Step-up SIP — the easiest way to double your corpus
Raising your SIP a little every year, in step with your salary, can double what you end up with. Here’s how much, and how to set it up.
Asset allocation — the decision that matters more than fund picking
How to split money between equity, debt and gold, why it drives most of your results, and how to rebalance without stress.
Retirement and life decisions
Inflation, the silent tax on your savings
Why ₹1 lakh today will feel like ₹31,000 in twenty years, and how to plan so your money keeps up.
FIRE, explained — and how it works in India
Financial independence in plain words — your FI number, Lean, Fat and Coast FIRE, and the Indian twists that change the maths.
Safe withdrawal rate — why 4% may not work in India
Where the 4% rule came from, what Indian data says instead, and how to make a retirement corpus last 30 to 45 years.