Money decisions, explained.
Practical guides that connect an Indian money question to a transparent calculation.
What does a ₹15 lakh CTC mean for monthly take-home?
Walk from CTC to cash gross, employee deductions and estimated income tax using a transparent Indian salary example.
Read and calculateWhat changes if you prepay ₹10,000 extra each month?
Compare remaining home-loan interest and payoff time with an additional monthly payment, using the same original EMI.
Read and calculateHow a 10% annual SIP increase changes the projection
Compare a fixed monthly SIP with one that rises annually, separating additional contributions from projected investment growth.
Read and calculateXIRR vs CAGR: which return belongs to your investment?
Understand when a single starting value is enough, when dated cash flows matter, and why a missing final valuation changes the answer.
Read and calculateHow to compare old and new salary tax regimes fairly
Use the same gross salary, separate eligible deductions from payroll costs, and check the scope of the tax comparison.
Read and calculateWhy PPF deposit timing matters to a projection
Understand the early-April deposit assumption, quarterly-notified rates and the difference between a balance projection and a maturity quote.
Read and calculateDoes a lower home-loan rate justify a balance transfer?
Compare EMIs at the same remaining tenure and include the actual upfront cost of switching lenders.
Read and calculate