Guides
The thinking behind the numbers: what to assume, what can go wrong, and which calculator answers your question.
- Loans
Prepay Home Loan or Invest? Reduce EMI vs Tenure
Prepay your home loan or invest? A computed reduce-EMI vs reduce-tenure example, how prepayment saves interest, charges to check and a framework.
Updated
- Retirement & FIRE
Can I Retire at 40 in India? Corpus Needed by Age
How much you need to retire at 40, 45 or 50 in India: a computed corpus table for five spending levels, its assumptions and the honest trade-offs.
Updated
- Retirement & FIRE
Coast FIRE India: Formula, Example and Pitfalls
What Coast FIRE means in India, the formula behind it, a worked rupee example with return sensitivity, who it suits and the pitfalls to plan around.
Updated
- Retirement & FIRE
FIRE Number India: How to Calculate It Step by Step
Calculate your FIRE number in India step by step: inflate today's costs, treat medical costs separately, pick a withdrawal rate and know what to exclude.
Updated
- Loans
How EMI Works: Principal vs Interest, Explained
How EMI works in India: the formula, why early EMIs are mostly interest, how the split shifts, and computed tables of what rate and tenure really cost.
Updated
- Retirement & FIRE
Lean, Barista and Fat FIRE in India: Variants Compared
Lean, Barista and Fat FIRE explained for India, with illustrative rupee spending ranges, computed corpus tables and an honest comparison of risks.
Updated
- Government schemes
PPF vs SSY vs NSC vs FD: Which Fits Your Goal?
PPF vs SSY vs NSC vs FD compared: tenure, lock-in, deposit limits, how rates are set and taxed, plus computed examples of tax-free compounding.
Updated
- Retirement & FIRE
Safe Withdrawal Rate India: Is the 4% Rule Safe Here?
Is the 4% rule safe in India? See why higher inflation and longer early retirements point to 3–3.5%, with computed tables and a stress-test method.
Updated
- Retirement & FIRE
Sequence of Returns Risk and Monte Carlo, Explained
Sequence of returns risk and Monte Carlo in plain English: why return order matters, how to read a fan chart and what 80%, 90% or 95% success means.
Updated
- Retirement & FIRE
SWP vs FD for Retirement Income in India
SWP vs FD for monthly retirement income in India: computed payouts, how inflation erodes FD income, tax in general terms and why sequence risk matters.
Updated