Blog
Stories, checklists and examples that help you plan money with clearer numbers
The blog is for longer, readable explainers - EMI before you apply, SIP habits, salary affordability and short-term deposits. Deeper walkthroughs live in Guides. Product and privacy questions are in FAQs.
24 articles
Plan your loan EMI before you apply
A practical walk-through to stress-test monthly payments, tenure and hidden costs before you start paperwork with a bank or NBFC.
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A simple mutual fund SIP checklist
Before you start a monthly SIP, line up the goal, amount, horizon and a conservative return assumption - then keep the plan boring enough to survive dull markets.
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How much of your salary should go to EMI?
The 40% rule is a starting point, not a green light. Build affordability from leftover money, a bad-month test and the loan you actually want.
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FD or RD for a one-year goal?
If the money is needed in about a year, choose between parking a lump sum in an FD or building it month by month with an RD - then run both calculators before you lock the tenure.
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How Much House Can I Afford? A Complete Home Affordability Guide
Work backwards from take-home income, existing debt and the full monthly cost of ownership—not the property price a lender says you may qualify for.
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How much emergency fund do you really need in 2026?
Three, six or twelve months? Start with essential household expenses, then adjust for income stability, dependants, insurance gaps and how quickly the money can be reached.
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How to pay off debt faster: avalanche vs snowball method
Avalanche usually costs less because it attacks the highest APR first; snowball can be easier to sustain because it clears the smallest balance first. The faster method is the one you can keep funding every month.
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50/30/20 budget rule: does it still work in 2026?
Yes—as a first draft. Split after-tax income into 50% needs, 30% wants and 20% saving or extra debt repayment, then adapt the targets to your housing costs, income pattern and priorities.
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How much should you save every month based on your salary?
A practical India-focused method for turning take-home pay into an emergency buffer, debt progress, short-term goals and long-term investing.
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SIP vs lump sum investing: which is better in 2026?
Neither method wins every market path. Compare the same ₹120,000 invested now or in four instalments, then choose around when your cash arrives, how long it can stay invested and which plan you can follow.
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How inflation quietly reduces your purchasing power
See what the same rupee amount may buy after 5, 10 and 20 years, and learn how to plan salary, savings and long-term goals in real terms.
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How Compound Interest Builds Wealth Over 10, 20 and 30 Years
Time changes the balance between what you contribute and what compounding may add—provided you keep the return, timing and risk assumptions visible.
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How much will your retirement savings really be worth after inflation?
A ₹5 crore retirement corpus can sound large while buying far less than expected. Translate the future number into today’s rupees, then plan expenses, contributions and withdrawals with the same inflation assumption.
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How to calculate your real investment return after inflation and taxes
A 10% headline return is not necessarily a 10% increase in spending power. Follow the money through fees, estimated tax and inflation to see the return that remains in real terms.
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How Much Can a Monthly Investment Become After 10, 20 and 30 Years?
See what ₹10,000 a month or $1,000 a month may become under three clearly labelled return assumptions, with contributions, projected growth and inflation kept visible.
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How AI is changing personal finance in 2026: what AI can and cannot do
AI can turn a messy money question into a useful first draft, but its labels, arithmetic and recommendations still need checks. Use it to explore; use calculators, current sources and qualified professionals to verify.
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AI finance apps vs traditional budgeting: which is better?
AI can shorten categorisation and surface patterns, while spreadsheets, envelope methods and conventional expense apps can offer clearer rules and more direct control. The better choice is the one you can verify, correct and keep using.
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AI financial scams in 2026: a practical verify-before-pay guide
A familiar voice, convincing video or polished document is no longer proof of identity. Pause, verify the person and payment details through channels you choose, and preserve a clear record before money moves.
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Should you pay off your mortgage or invest the extra money?
Mortgage prepayment exchanges liquidity for a contractual interest saving; investing keeps money accessible but exposes it to uncertain returns. Compare both uses of the same monthly surplus before choosing one—or combining them.
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Credit card debt: how long will it take to pay off?
Payoff time is not determined by balance alone. APR, the issuer’s minimum-payment rule, payment timing, new spending and every fixed extra payment change how quickly principal falls.
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What is a good debt-to-income ratio? A guide for borrowers
A lender may approve an EMI that still leaves your household short of breathing room. Calculate the lender-facing ratio, then test the payment against take-home income, essential costs and financial shocks.
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How to calculate the true cost of a loan beyond the EMI
A manageable EMI does not make a loan inexpensive. Compare principal, lifetime interest, fees, financed add-ons, payment timing and prepayment terms before choosing an offer.
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What is financial freedom—and how much money do you actually need?
Financial freedom is a spectrum: first withstand a shock, then gain choices about work, and only later consider whether a portfolio could fund long-term spending. Your useful target starts with annual spending, not a universal net-worth number.
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The hidden cost of small monthly expenses: how ₹100/$5/£5 adds up
Small purchases are not moral failures, and a daily treat may be money well spent. Annualising repeat costs simply makes the trade-off visible so you can keep, reduce or redirect them on purpose.
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