Clear, sourced guides to Indian personal finance — 31 articles on income tax, salary, and retirement. Each one links to the calculators that put the numbers to work.
Advance tax applies when your tax liability beyond TDS exceeds ₹10,000: the 15/45/75/100 instalment schedule, Sections 234B and 234C interest, presumptive rules, and who is exempt.
How capital gains are taxed in India: short-term vs long-term, equity and mutual fund rates, the ₹1.25 lakh LTCG exemption, property rules and how to plan redemptions.
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.
Section 80C lets you deduct up to ₹1.5 lakh a year: EPF, PPF, ELSS, life insurance, home loan principal and more. What qualifies, what it's worth, and the New Regime catch.
How TDS works in India: salary, FD interest, rent and freelance payments; Form 26AS and AIS; Form 15G/15H; and why TDS is not your final tax — refunds and shortfalls explained.
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.
A practical map of investing in India: goal planning, risk profiles, asset allocation, and every major instrument — mutual funds, SIP, PPF, EPF, NPS, ELSS, FD, RD, bonds, gold and ETFs.
Fixed deposit, recurring deposit or PPF? Engine-verified maturity numbers, post-tax reality, liquidity and lock-ins compared — and which safe instrument fits which job.
How mutual funds work in India: equity, debt and hybrid types; direct vs regular plans; ELSS tax saving; index funds vs ETFs; expense ratios, NAV myths and how gains are taxed.
SIP or lumpsum? Engine-verified numbers for both, when each wins, step-up SIPs, and SWP — the withdrawal strategy that turns a corpus into a tax-efficient monthly income.
A practical guide to borrowing in India: how loans work, how EMI and interest are calculated, fixed vs floating rates, eligibility, prepayment, balance transfer and tax benefits.
How your credit score and loan eligibility work in India: what the bureaus record, what lenders check, how to get your free annual credit report, and what actually improves your profile.
Fixed or floating interest rate on your loan? How each works, what the RBI's external benchmark and reset rules mean for you, and how to decide for your own loan.
Home loan or personal loan? Compare interest rates, tenure, tax benefits, prepayment rules and total cost — with worked numbers showing why the cheaper rate is not always the cheaper loan.
How EMI is calculated in India: the reducing-balance formula, worked examples, and why your early EMIs are almost all interest. With an amortisation schedule explained.
A guide to loan balance transfer in India: how refinancing works, the costs involved, when the saving is real, and why timing decides whether it is worth doing at all.
A guide to loan prepayment in India: whether to reduce EMI or tenure, when prepaying is worth most, and the RBI rule that makes prepaying a floating-rate home loan penalty-free.
Should you buy a house in India? Work through affordability, eligibility, EMI, stamp duty, registration, tax benefits and insurance — with a checklist and the calculators for each step.
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.
Understand exactly how age is calculated in years, months and days — including leap years, month-end birthdays, and the calendar maths behind an age calculator.
Find out how many days, weeks, hours, minutes and seconds you've been alive — how these totals are calculated, why leap years matter, and fun milestones to celebrate.
Discover which day of the week you were born on, how the calculation works, the Doomsday shortcut you can do in your head, and how leap years affect it.