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Personal finance guides

Short explainers that link to the calculator you should open next. These pages are written for readers first, not keyword lists.

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How to calculate home loan EMI

The reducing-balance formula banks use, with a worked ₹10 lakh example.

₹30 lakh home loan EMI for 20 years

A sample EMI table and what changes if the rate moves.

SIP vs FD: which is better?

Different jobs: market risk versus predictable bank interest.

How loan eligibility works

FOIR, existing EMIs and why a calculator is only a first filter.

How to reduce home loan interest

Prepayment, tenure and balance transfer — with tools to test each idea.

How much SIP for ₹1 crore?

Reverse-calculate a monthly SIP for a corpus goal.

Rent vs buy in India

Cash-flow comparison, not a verdict.

PPF vs FD

Lock-in, tax treatment and when each product is used.

Loan EMI basics

Principal, rate and tenure before you compare lenders.

SIP step-up after a raise

Increase the monthly amount only when the raise is in hand.

Term cover next to a home loan

Size cover from income and outstanding EMI, then confirm with an insurer.

Car IDV at renewal

Why declared value falls with age before you renew.

Section 80C with a calculator

₹1.5 lakh ceiling across PPF, ELSS and premium.

Emergency fund before a bigger EMI

Months of expenses to keep liquid next to the loan.