Guides & Deep Dives
Honest answers to the money questions
Honest answers to the money questions
nobody else takes seriously.
Real math, real tables, real tools. No affiliate noise. Each guide comes with a calculator you can try yourself.
Health Insurance
Base + super top-up vs one big health policy - the real math
Most people pay 40% too much for health cover because nobody showed them this. We compare ₹25L single policy vs ₹5L base + ₹20L top-up with a full premium table.
Life Insurance
Term policy laddering: how to save 25% on life insurance premium
Why one ₹2Cr term policy till age 60 is the wrong default. Split into 3 tranches matching your real liabilities and pay ~₹4L less over the life of the policies.
Health Insurance
How much health insurance is actually enough in 2026?
A Tier-1 hospital bill today is 3× what it was 10 years ago. We break down city-wise, age-wise what you really need - and why ₹5L is no longer a number.
Emergency Fund
Emergency fund: FD ladder, liquid fund, or sweep-in - after-tax math
6-month emergency fund of ₹6L. Which option nets you the most after tax, and which gives you money within 24 hours? We run the numbers.
Insurance Planning
Deep dives and calculators to size the right cover and pay the least premium.
Calculator
How much term life insurance do I need?
Compare 15× income, DIME and Human Life Value: the calculator picks the right cover for your income, liabilities and future goals.
Calculator
Human Life Value: sizing your cover
Present value of everything you'll earn till retirement, after your own expenses. The cleanest way to justify a big cover to yourself.
Guide
Health Insurance: How much sum insured?
City-tier, age-band and family-size logic with 2026 hospital costs. Plus why ₹5L is now the floor, not the answer.
Guide
Term Policy Laddering: save 20-30% premium
Split one ₹2Cr cover into three tranches matching your liability, kid and retirement years. Pay less, get the same protection.
Guide
Base plan vs Super Top-up
₹5L base + ₹20L super top-up vs a single ₹25L health plan. The one structure that typically pays 40% less for the same cover.
Calculator
Health Cover needs with Policy Ladder
Plan a three-tranche life cover ladder, see cumulative premium paid vs one single policy and spot the savings before you buy.
Retirement Planning
Goal-setting, corpus maths and the PPF / EPF / NPS calls you actually have to make.
Coming Soon
How much do I need to retire? (Age 30-45 guide)
Honest corpus math by current age and desired lifestyle, with inflation, healthcare and longevity built in.
Coming Soon
PPF vs NPS vs EPF: which should I choose?
Returns, lock-in, tax treatment and exit rules side-by-side. Who actually wins depends on your tax slab and timeline.
Coming Soon
Starting late? Retirement planning for your 40s
The catch-up plan: savings rate, asset mix and the two mistakes 40-somethings keep making.
Calculator
PPF Calculator
15-year PPF maturity with current rate, extensions and tax-free compounding plotted year by year.
Calculator
EPF Calculator
Your EPF corpus at retirement with contribution, employer match and yearly step-ups.
Calculator
NPS Calculator
Build your NPS pension corpus and see the annuity vs lumpsum split you'll actually receive.
Calculator
Retirement Corpus Calculator
Target corpus for the lifestyle you want, inflation-adjusted, with monthly SIP required to get there.
Government Schemes
PPF, EPF and NPS: run the maturity numbers before you lock in.
Calculator
PPF Calculator
15-year PPF maturity with tax-free planning and the extension block after 15 years.
Calculator
EPF Calculator
Project your EPF balance at retirement with contribution, step-ups and employer matching.
Calculator
NPS Calculator
NPS pension corpus, 40% mandatory annuity and the tax-free 60% lumpsum at age 60.