Money guides
Plain-language explainers on the numbers behind the calculators — how loans, compounding, retirement targets and savings goals actually work.
How much house can I afford?
Lenders tell you the maximum you can borrow. That is not the same as what you can afford. How the 28/36 rule works and where it breaks down.
Read →Should you overpay your loan or invest the difference?
Overpaying is a guaranteed return equal to your interest rate. Investing is an uncertain, historically higher one. How to compare them honestly.
Read →The real cost of waiting five years to invest
Five years of delay costs far more than five years of contributions. Why the missing money is growth that never had time to happen.
Read →How much do you need to retire?
Divide your desired annual income by 4% to get the pot you need, then adjust for inflation. Where the rule comes from and where it fails.
Read →Simple vs compound interest
Simple interest grows in a straight line. Compound interest curves. Over long periods the difference becomes larger than the original investment.
Read →How to actually hit a savings goal
Work backwards from the target to a monthly number, match the return to the timeline, and know which lever to pull when the figure is unaffordable.
Read →How your home loan EMI is actually calculated
The EMI formula banks use, why your early EMIs are almost all interest, and what actually changes when rates move.
Read →Prepay your home loan or invest the surplus?
The new tax regime removed home loan deductions for self-occupied property, which changes this calculation completely. What the maths says now.
Read →SIP vs lump sum investing
Lump sum wins more often on the maths. SIP wins on behaviour and risk. Why the better answer depends on which failure you are guarding against.
Read →SIP vs FD: which builds more wealth?
A fixed deposit protects capital and loses to inflation after tax. Equity SIPs are volatile and have historically beaten it. Which fits which goal.
Read →PPF, EPF and NPS explained
Rates, limits, lock-ins and tax treatment for PPF, EPF and NPS as of 2026 - and how the new tax regime changed which ones still make sense.
Read →How much do you need to retire in India?
Why Indian retirement targets are larger than they look: higher inflation, longer retirements, no state safety net and medical costs rising faster than everything.
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