Clear, sourced guides to Indian personal finance — 12 articles on income tax, salary, and retirement. Each one links to the calculators that put the numbers to work.
Learn exactly how HRA exemption is calculated under Rule 2A: the three-rule test, worked examples for metro and non-metro cities, edge cases, and a free calculator.
Compare HRA exemption and home loan tax benefits in India. Understand Section 10(13A) vs Section 24(b) and 80C, whether you can claim both, and which saves more tax.
HRA (House Rent Allowance) is a salary component that can cut your income tax if you pay rent. Learn what HRA is, who can claim it, and how the exemption works in India.
Compare EPF, PPF, and NPS for retirement in India: returns, risk, lock-in, tax treatment, and who each suits. A clear framework to build your retirement corpus.
A complete guide to gratuity rules in India: the 5-year eligibility condition, the ₹20 lakh cap, Section 10(10) tax exemption, forfeiture, and how to claim.
Understand exactly how EPF interest is calculated: the monthly running-balance method, annual crediting, worked examples, and how compounding builds your retirement corpus.
Understand the gratuity formula for covered and non-covered employees, the 26 vs 30 divisor, the 6-month rounding rule, the ₹20 lakh cap, and worked examples.
Understand NPS tax benefits under Section 80CCD(1), 80CCD(1B), and 80CCD(2), the extra ₹50,000 deduction, and how NPS is taxed at maturity in India.
How NPS withdrawal works at retirement: the 60/40 rule, tax-free lump sum, annuity and monthly pension, premature exit, and partial withdrawals explained.
EPF (Employees' Provident Fund) is a retirement savings scheme for salaried employees. Learn how contributions, the EPS pension split, interest, and withdrawals work in India.
Gratuity is a lump-sum reward for long service paid by employers in India. Learn what gratuity is, who is eligible, how it is paid, and how it is taxed.
NPS (National Pension System) is a market-linked retirement scheme regulated by PFRDA. Learn how NPS works, its tiers, returns, tax benefits, and how the pension is paid.