Can't Pay EMI? What to Do Before You Miss a Payment
Can't pay your EMI this month? 8 practical steps, your rights under RBI rules, the real cost of a missed EMI and where to complain if the lender misbehaves.
· 7 min read
Personal finance, made for India
Borrow smarter. Save more. Pay less tax.
Free calculators and clear, fact-checked guides on loans, EMIs, credit cards, income tax and mutual funds, updated for FY 2026-27.
Financial calculators
Instant answers with formulas you can check.
FD CalculatorFixed deposit maturity with quarterly compounding.RD CalculatorRecurring deposit maturity value and interest earned.PPF Calculator15-year PPF maturity at the current 7.1% rate.Loan Eligibility CalculatorHow much home or personal loan your income supports.Loan Prepayment CalculatorReduce EMI or tenure? See the interest saved either way.Credit Card Interest CalculatorTrue cost of paying only the minimum due.GST CalculatorAdd or remove GST, with CGST/SGST split.Retirement CalculatorCorpus you need to retire and the SIP to get there.Inflation CalculatorWhat today's money will cost, or be worth, in future.CAGR CalculatorAnnualised return between two values.
Stuck with a loan problem?
Missed EMIs, rejections, recovery calls, CIBIL errors: step-by-step fixes and your rights under RBI rules.
CIBIL Report Error: How to Raise a Dispute and Get It Fixed
Wrong loan, overdue or 'settled' tag in your CIBIL report? How to dispute it, the RBI 30-day deadline, Rs 100/day compensation and where to complain.
· 5 min read
Co-Applicant and Guarantor Liability: What You Owe
Signed as co-applicant or loan guarantor? What you owe if the borrower defaults, the CIBIL impact, your rights under the Contract Act and RBI, and how to exit.
· 6 min read
Debt Consolidation in India: A Step-by-Step Way Out of Debt
Juggling card dues, personal loans and app loans? How debt consolidation works in India, a worked example of the savings, your RBI rights and scams to avoid.
· 6 min read
Debt Snowball vs Debt Avalanche: Which Pays Off Faster?
Juggling several loans and card bills? Compare debt snowball vs debt avalanche with a worked Indian example, a step-by-step plan and your RBI rights.
· 6 min read
EMI Bounce Charges: Costs, CIBIL Impact and What to Do
EMI bounced? See what lenders and your bank can charge, how a bounce hits your CIBIL score, when it becomes a legal issue and the steps to fix it fast.
· 6 min read
Loans & EMI Guides
How EMIs work, home and personal loan rates, prepayment strategy and CIBIL score tips for Indian borrowers.
Business Loan and Mudra Loan: Limits, Rates, How to Apply
Mudra loan limits (Shishu to Tarun Plus, up to ₹20 lakh), interest rates, CGTMSE cover, documents and how Mudra compares with other business loans in India.
· 6 min read
Car Loan Guide 2026: Rates, Eligibility, EMI and Tips
A practical car loan guide for India: current rate ranges, eligibility, documents, down payment, tenure trade-offs and how to cut total interest in 2026.
· 6 min read
Car Loan vs Car Leasing in India: Which Costs Less?
Car loan vs car leasing in India compared on total cost, tax, resale and flexibility, with a worked 5-year example and 2026 perquisite rules for leased cars.
· 6 min read
Credit Card Guides
Billing cycles, interest, minimum due, utilisation and rewards: use credit cards in India without paying a rupee of interest.
Cashback vs Reward vs Travel Credit Cards: Which Is Best?
Cashback, reward points or travel miles? See how each credit card type works, what a point is really worth, and which suits your spending, as of October 2026.
· 5 min read
Credit Card Against FD: How Secured Cards Work in India
How a credit card against FD works in India: limits, minimum deposit, interest, risks and how it builds a CIBIL score, with a worked example as of October 2026.
· 5 min read
Credit Card Billing Cycle Explained: Dates and RBI Rules
Credit card billing cycle explained: statement date vs due date, how to get up to 50 interest-free days, and RBI's rule letting you change your billing cycle.
· 6 min read
Income Tax Guides
Tax slabs, new vs old regime, deductions and capital gains for FY 2026-27, explained with worked examples.
Advance Tax 2026-27: Due Dates, Who Pays and Interest
Advance tax for tax year 2026-27: who must pay, the 15 June to 15 March due dates, how interest under new Sections 424 and 425 (old 234B, 234C) is calculated.
· 6 min read
Capital Gains Tax on Mutual Funds: Equity vs Debt 2026-27
Capital gains tax on mutual funds for FY 2026-27: equity LTCG at 12.5% above ₹1.25 lakh, STCG at 20%, and slab-rate tax on debt funds bought after April 2023.
· 5 min read
CTC vs Gross vs Take-Home Salary: What You Actually Get
CTC vs gross vs take-home salary explained with a full ₹12 lakh and ₹20 lakh breakdown: PF, gratuity, professional tax and TDS under the new regime, 2026-27.
· 6 min read
Mutual Fund Guides
SIP vs lumpsum, direct vs regular plans, index funds and fund taxation for Indian investors.
Debt Fund Duration Risk vs Credit Risk: How Debt Funds Lose
Debt fund duration risk vs credit risk: how rate moves and defaults hit NAV, SEBI's risk matrix, 2026 category names and tax, with exact illustrative maths.
· 6 min read
Direct vs Regular Mutual Funds: Cost Gap Over 20 Years
Direct vs regular mutual funds compared: same portfolio, different expense ratio. See how a 1% cost gap compounds over 20 years and how to switch safely.
· 6 min read
Does a Lower NAV Mean a Mutual Fund Is Cheaper?
Does a lower NAV mean a mutual fund is cheaper? No. See the exact maths, why ₹10 NFOs are not bargains, and what to compare instead: cost, valuation, record.
· 5 min read
Banking, Savings & Deposits
FD, RD, PPF, savings accounts, deposit insurance and UPI safety: keep your money safe and earning for you.
Bank KYC Update (Re-KYC): Due Dates, Methods, Documents
Bank re-KYC explained: when your KYC update is due under RBI's 2-8-10 year rule, how to do it online or at any branch, and what to do if your account is frozen.
· 6 min read
Bank Locker Rules and Charges 2026: RBI Rules Explained
Bank locker rules 2026: RBI's 100x rent compensation cap, what banks are not liable for, rent and deposit rules, nominee changes and SBI/HDFC locker charges.
· 6 min read
Dormant Bank Account: How to Reactivate It in 2026
Dormant or inoperative bank account? How to reactivate it at any branch, RBI rules on charges and interest, and how to claim money moved to the DEA Fund.
· 6 min read
Budgeting & Money Management
Salary budgets, emergency funds, the 50/30/20 rule and expense tracking for Indian households.
50-30-20 Budget Rule: How It Works on an Indian Salary
The 50-30-20 budget rule splits take-home pay into needs, wants and savings. See how it works on an Indian salary, with worked examples and metro-city tweaks.
· 5 min read
Emergency Fund: How Much You Need and Where to Keep It
How much emergency fund do you need in India? Learn the 3-6-12 month rule, how to calculate your number, and where to park it safely: savings, FD or liquid fund.
· 5 min read
How to Manage Salary: Budgets for ₹25k, ₹50k and ₹1 Lakh
How to manage your salary in India with a simple monthly plan, plus sample budgets for ₹25,000, ₹50,000 and ₹1 lakh take-home pay. Save first, then spend.
· 5 min read
Stocks, Gold, ETFs & Investing Basics
How stocks, bonds, gold and ETFs work, how to measure returns, beat inflation and avoid investment scams.
Bond Coupon vs Yield to Maturity: What You Actually Earn
Bond coupon vs yield to maturity with exact maths: why a bond bought below or above face value earns a different return, plus current yield and bond tax.
· 6 min read
CAGR vs XIRR vs Absolute Return: Which to Use and When
CAGR vs XIRR vs absolute return explained with worked Indian examples: formulas, when each applies, how SEBI wants fund returns shown, and mistakes to avoid.
· 6 min read
Dividend Yield Trap: Why a High Yield Can Be a Warning
A dividend yield trap is a stock whose high yield comes from a falling price or unsustainable payouts. Learn the warning signs, the maths and 2026 tax rules.
· 6 min read
Health & Term Insurance Guides
How much cover you need, what to check before buying, and how to avoid claim rejection in India.
Critical Illness vs Health Insurance: Key Differences
Critical illness vs health insurance: indemnity vs lump sum, survival periods, what each pays in a cancer case, and whether you need both (Oct 2026).
· 6 min read
Health Insurance Checklist: 15 Things to Check Before Buying
A health insurance checklist for India: sum insured, room rent, waiting periods, co-pay, sub-limits, cashless rules and IRDAI timelines to check before you buy.
· 6 min read
Health Insurance Portability: Rules, Process and Pitfalls
How health insurance portability works in India as of Oct 2026: which waiting periods carry over, when to apply, the 5-year moratorium and porting traps.
· 6 min read
Retirement & Life Goal Planning
EPF, PPF and NPS, retirement corpus, children's education, rent vs buy and estate basics.
Bank Accounts and Investments After Death: How to Claim
What happens to bank accounts, FDs, mutual funds, shares, EPF and insurance after death in India, and how nominees and legal heirs claim them (October 2026).
· 6 min read
Child Education Planning: How Much to Save and Where
Plan a child's education fund: estimate future fees with education inflation, the monthly SIP needed, and how SSY, PPF, mutual funds and NPS Vatsalya compare.
· 6 min read
EPF vs PPF vs NPS: Which Is Better for Retirement?
EPF vs PPF vs NPS compared for 2026-27: interest rates, returns, lock-in, withdrawal rules and tax under the new Act, with a worked ₹1.5 lakh-a-year example.
· 6 min read
Business & Freelance Finance
Cash flow, irregular income, working capital and keeping business and personal money apart.
10 Monthly Financial Numbers a Small Business Must Track
The 10 monthly numbers a small business in India should track, from gross margin and cash runway to DSO, GST payable and DSCR, with a worked ₹ dashboard.
· 6 min read
Break-Even Sales Calculation for Small Businesses in India
How to calculate break-even sales and units with contribution margin, a worked ₹ example, cash break-even, target profit and what a price cut really costs you.
· 6 min read
Buy vs Lease Business Equipment: A ₹20 Lakh Example
Should you buy or lease business equipment in India? Compare EMIs, lease rent, depreciation, GST credit and resale value on a ₹20 lakh machine.
· 6 min read
Property & Real Estate Finance
Down payments, hidden costs of buying a flat, joint home loans, rental yield, REITs and renovation budgets.
Hidden Costs of Buying a Flat in India: Full 2026 List
Hidden costs of buying a flat in 2026: stamp duty by state, registration, GST, parking, maintenance deposits, loan fees and TDS, with a ₹90 lakh example.
· 6 min read
Home Down Payment Fund: How Much to Save and Where
How big your home down payment fund should be in 2026, why stamp duty is not covered by the loan, and where to park the money for a 2-5 year goal.
· 6 min read
Home Loan Top-Up vs Loan Against Property: Which to Pick
Home loan top-up vs loan against property in 2026: compare rates, how much you can borrow, end-use, tax and costs, with a worked ₹25 lakh example.
· 5 min read
Money, Family & Life Decisions
Money talks before marriage, joint accounts, kids and pocket money, lending to family, weddings, career breaks and net worth.
Cost of Living in a New City: Is the Job Offer Worth It?
Moving to a new city for a job? Compare cost of living, setup costs and 2026 HRA rules (50% in 8 cities) to see if a higher salary really leaves you better off.
· 6 min read
Financial Planning for a Career Break: A Step-by-Step Guide
Planning a career break or sabbatical in India? Calculate your break fund, keep health and term cover alive, handle EMIs, EPF and SIPs, and plan your return.
· 6 min read
Joint vs Separate Bank Accounts for Couples in India
Joint vs separate bank accounts for couples: compare control, tax clubbing, DICGC cover and nominee rules, and see how the 'yours, mine, ours' setup works.
· 6 min read
NRI, Forex & Digital Money
Sending money abroad, forex cards, NRE/NRO accounts, the digital rupee, crypto and stablecoins explained for Indians.
Compare International Money Transfers from India: True Cost
How to compare international money transfers from India: exchange-rate markup, fees, GST, correspondent charges and TCS, with a worked ₹ example (Oct 2026).
· 6 min read
Crypto Exchange vs Wallet: Custody, Risks and Tax in India
Crypto exchange vs wallet explained for Indians: custodial vs self-custody, hot vs cold wallets, FIU rules, 30% tax and 1% TDS, and the risks of each in 2026.
· 6 min read
Digital Rupee vs UPI vs Crypto: What's the Difference?
Digital rupee (e₹) vs UPI vs crypto: who issues each, legal tender status, interest, privacy, pilot status and tax, explained simply for Indians (Oct 2026).
· 6 min read
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