Personal Finance
Tax Planning
Old vs New Tax Regime: How to Actually Decide (Not Just Guess)
A calculation-first framework for choosing between India's old and new income tax regimes, instead of following generic advice.
Budgeting & Saving
The 50/30/20 Budget Rule, Adjusted for Indian Salaries
A practical version of the classic budgeting rule that accounts for rent, family obligations and India-specific expenses.
Insurance
How Much Term Life Insurance Do You Actually Need?
A calculation method for sizing term insurance cover, instead of picking a round number that feels big enough.
Retirement Planning
NPS vs PPF vs EPF: Which Retirement Vehicle Fits Where
Comparing India's three main retirement-savings instruments across returns, lock-in, taxation and flexibility.
Credit & Loans
How Your Credit Score Is Actually Calculated (And How to Improve It)
Breaking down the factors that move your CIBIL score, and a realistic timeline for improving it.