Old vs New Tax Regime FY 2025-26 — when each one wins
₹3.75 Lakh. That's the number. Cross it, and Old beats New. The working below, plus the 87A cliff trick most people miss.
Read post →Home Loan Prepayment vs SIP — most banker advice is wrong
It's not "depends on your risk profile." It's arithmetic. A ₹5 Lakh windfall, two paths, and the ₹13 Lakh gap your bank's RM won't mention.
Read post →PPF vs ELSS vs NPS — three checks before you pick where 80C goes
Most people skip these. First: open your payslip and see how much EPF already eats. Then horizon. Then slab. About 60 seconds total.
Read post →Banks model 55%. You should model 40%. That's the whole post.
Your "eligibility" is not your "affordability". One number is what the bank thinks you can survive. The other is what you can live with.
Read post →SIP vs Lumpsum — which gives better returns?
Lumpsum wins on average over 10+ year horizons. SIP wins for most real investors because they don't have lumpsums.
Read post →₹10,000 SIP for 5, 10, 20, 30 years — what it actually becomes
At 12% expected return: 20 years → ~₹1Cr flat, ~₹2Cr with 10% step-up. Time + step-up do the work.
Read post →HRA exemption — docs, common mistakes, parent-rent rules
Lowest of three formulas. Landlord PAN mandatory above ₹1L/year. Parent-rent works only with a genuine paper trail.
Read post →FD post-tax return by tax slab — what 7% actually pays
A 7% FD pays 4.9% to a 30%-slab earner. Equity LTCG at 12.5% is friendlier — but riskier. The full breakdown.
Read post →Personal loan vs credit card EMI — when each saves more
For most amounts above ₹50k and tenures past 12 months, PL beats CC EMI. Below that, processing fees flip the math.
Read post →Sukanya Samriddhi vs PPF — which is better for a daughter?
SSY pays more (8.2% vs 7.1%, Apr-Jun 2026 quarter) but it's single-purpose. PPF is more flexible. Side-by-side.
Read post →More posts as we have something specific to say — not on a schedule.