Finance

Loans, SIPs, debt, and retirement — the calculations that move real money, explained as you go.

Loan EMI & Payoff

EMI, full amortization, and what extra prepayments actually save you.

How much of your future balance is your money vs. growth doing the work.

Snowball vs. avalanche, compared side by side with real months and rupees.

The corpus you need to live on your savings, and when you'll reach it.

FD maturity value with quarterly compounding, the way Indian banks actually calculate it.

The non-compounding calculation — interest that doesn't earn interest on itself.

Compare tax under both regimes side by side and see which one actually costs less.

The annualized return on an investment — not just the total gain.

What you're owed under the Payment of Gratuity Act, based on your last drawn salary.

Which actually leaves you wealthier after N years — renting and investing, or buying?

Your projected NPS corpus, the mandatory annuity split, and the pension it buys.

What today's money will actually be worth — or cost — years from now.

Your actual monthly take-home from a CTC number, after PF and tax.

The exact tax-exempt part of your HRA — the least-of-three rule, worked out.

Public Provident Fund maturity value, year by year, over its 15-year lock-in.

Your EPF corpus from actual employee + employer contribution rates, not a guess.

Your quarterly advance tax due dates and amounts, for freelancers and the self-employed.

Tax at vesting and at sale for RSUs from a US or other foreign employer — worked out in full.