Guides & articles
Plain-English explainers, updated for 2025-26
Short, practical guides that answer the real questions behind each calculator, no jargon, no fluff. Every guide links to a free tool so you can run the numbers for yourself.
Old vs New Tax Regime: Which Is Better?
Rates, deductions and the ₹12 lakh rebate, how to pick the regime that saves you more.
How to Calculate Income Tax in India
Taxable income, slabs, standard deduction, rebate and cess, with a worked ₹16 lakh example.
How Much EMI Can I Afford on a ₹50,000 Salary?
The FOIR rule lenders use, a safe EMI range, and the loan size it supports.
₹5,000 SIP for 10 Years: How Much Can It Grow?
Realistic growth at different return rates, plus how compounding and step-ups help.
How FD Interest Is Calculated in India
Quarterly compounding, the formula banks use, a worked example, and TDS.
What Is HRA Exemption and How Is It Calculated?
The least-of-three rule, metro vs non-metro, a worked example and documents.
How GST Is Calculated in India
Rate slabs, adding and removing GST, and the CGST/SGST/IGST split, with examples.
RD vs FD: What's the Difference?
How each works, which earns more, and when to choose one over the other.
CTC vs In-Hand Salary: Why Your Take-Home Is Lower
Why your in-hand is less than CTC, and typical take-home from ₹6L to ₹24L.
Home Loan Tax Benefits and Prepayment: How Much You Save
Section 24(b) and 80C savings, and how one prepayment cuts years of interest.
Car Loan vs Personal Loan: Which Costs Less?
Rates, collateral and total cost compared on an ₹8 lakh loan.
Is a Home Loan Balance Transfer Worth It?
Interest saved, fees, break-even, and when switching lenders pays off.
How Much Home Loan Can I Get on My Salary?
How lenders use FOIR, with loan amounts for ₹50k to ₹1.5L income.
Lumpsum vs SIP: Which Is Better?
Why a lumpsum can grow more, why a SIP lowers timing risk, and how to choose.
PPF Explained: Interest, Maturity, Withdrawal and Tax
7.1% rate, ₹1.5L limit, 15 to 25-year growth, withdrawals and tax.
Gratuity Explained: Formula, Eligibility and Tax (2026)
The 15/26 formula, the new 1-year rule for fixed-term staff, and the ₹20L tax limit.