Guides & articles
Clear, practical explanations with real numbers — and a calculator for every topic.
Old vs New Tax Regime FY 2025-26: Which Is Better for You?
Compare the old and new income tax regimes for FY 2025-26 with real numbers for salaries from ₹7 lakh to ₹30 lakh, and find the deduction level where the old regime wins.
Read guide →7 Smart Ways to Reduce Your Home Loan Interest
Practical ways to cut the interest on your home loan — prepayments, an extra EMI each year, refinancing and more — with worked examples on a ₹40 lakh loan.
Read guide →SIP vs FD vs PPF: Where Should You Invest ₹10,000 a Month?
Compare mutual fund SIPs, bank deposits and PPF on returns, risk, tax and lock-in, with the 15-year value of investing ₹10,000 every month in each.
Read guide →How to Calculate In-Hand Salary from CTC (With Example)
Understand every part of your CTC — basic, HRA, PF, gratuity, professional tax and TDS — and see a step-by-step example of turning a 10 LPA CTC into monthly take-home pay.
Read guide →Short vs Long Loan Tenure: How It Changes Your EMI and Interest
See how the loan tenure changes your EMI and total interest on a ₹30 lakh home loan, and how to pick a tenure that is affordable without overpaying.
Read guide →HRA Exemption Explained: Rules, Formula and Example
How House Rent Allowance exemption works under section 10(13A), the three-part formula, documents you need, and a worked example for a metro city.
Read guide →The Rule of 72: How Fast Will Your Money Double?
Use the Rule of 72 to estimate how long your money takes to double, see how accurate it is, and learn why starting to invest early beats investing more later.
Read guide →Emergency Fund: How Much You Need and Where to Keep It
How big your emergency fund should be, where to keep it in India for safety and quick access, and a simple plan to build it month by month.
Read guide →GST 2.0 Explained: The New 5% and 18% GST Rates
What changed in India's GST from 22 September 2025: the move to two main rates of 5% and 18%, the 40% special rate, and how to calculate GST correctly.
Read guide →How to Resize Photo and Signature for Online Exam Forms
A step-by-step guide to preparing your photo and signature in the right KB size and pixel dimensions for SSC, banking, railway and other online application forms.
Read guide →How Much Home Loan Can I Get on My Salary?
See the home loan amount you may be eligible for at monthly salaries from ₹30,000 to ₹2 lakh, how banks calculate it, and how to increase your eligibility.
Read guide →Credit Score Explained: How to Reach 750+ and Get Cheaper Loans
What a credit score is, what affects it, how to check it for free, and practical steps to raise your score above 750 for better loan and credit card offers.
Read guide →How to File Your Income Tax Return (ITR) Online: Step by Step
A simple step-by-step guide for salaried people to file their income tax return online on the income tax e-filing portal, including documents, choosing the form and e-verification.
Read guide →NPS vs PPF: Which Is Better for Retirement?
Compare the National Pension System and the Public Provident Fund on returns, risk, tax benefits, lock-in and withdrawals, with a 25-year example.
Read guide →Gold vs Fixed Deposit: Where Should You Put Your Savings?
Compare gold and fixed deposits on returns, risk, liquidity and tax, and learn how much gold makes sense in a balanced portfolio.
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