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Long-form guides on Indian personal finance. Every article is paired with one or more calculators so you can run the numbers as you read.
11 articles published
Investing
- 9 min read
PPF vs EPF vs ELSS — Which Section 80C Investment Wins?
A clear, numbers-first comparison of India's three most popular tax-saving instruments under Section 80C, with returns, risk, lock-in, and a decision framework.
Read article - 11 min read
How Much SIP Do You Need to Reach ₹1 Crore?
The exact monthly SIP amount required to hit ₹1 crore at different return rates and time horizons. Includes an inflation-adjusted 'real' ₹1 Cr table.
Read article - 10 min read
ELSS vs Index Funds — Does the 80C Benefit Justify the Cost?
Numbers-first comparison of ELSS funds and Nifty index funds. When the tax deduction outweighs the higher expense ratio — and when it doesn't.
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Tax planning
- 10 min read
New vs Old Tax Regime FY 2025-26 — When Each Wins
Side-by-side income-tax comparison for FY 2025-26 (AY 2026-27) with break-even tables, common scenarios, and a clear decision rule.
Read article - 12 min read
Mutual Fund Taxation in India — Complete 2026 Guide
How equity, debt, hybrid and international mutual funds are taxed in India after Budget 2024. STCG, LTCG, indexation rules, SIP-specific taxation, and FIFO mechanics.
Read article - 13 min read
ESOP & RSU Taxation in India — A Tech Employee's Guide
How ESOPs and RSUs are taxed at exercise and at sale, including foreign-company stocks. Covers listed vs unlisted, FMV vs strike price, and the dual-tax trap.
Read article - 12 min read
Tax-Saving Guide for Freelancers & Self-Employed (India)
Section 44ADA presumptive taxation, expense deductions, advance tax, and GST thresholds — everything an Indian freelancer needs to optimise tax legally.
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Retirement & FIRE
- 13 min read
FIRE in India — The Rule of 25 (and why 30 might be safer)
Adapting the FIRE movement's Rule of 25 for Indian inflation and tax realities. Includes a corpus calculator framework and three FIRE archetypes.
Read article - 10 min read
NPS vs PPF — Which Retirement Vehicle Wins?
NPS vs PPF compared on returns, tax treatment, lock-in, withdrawal flexibility, and retirement income. With a hybrid strategy that uses both.
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