Clear answers about money, written for Indian households.
Guides, calculators and checklists on investing, insurance, credit and loans. We explain how things work, show the arithmetic, and tell you what to check before you sign.
New to all this? Begin with the 50-30-20 budget or the mutual fund basics.
- Projected value
- —
- You put in
- —
- Growth on top
- —
Illustration at a constant return. Real returns vary year to year and are never guaranteed. Dashed line is what you invest; the shaded area is the projected value.
Start from where you are
Personal finance hubFirst job
- Build a one to three month emergency cushion
- Start a small SIP, even ₹1,000
- Buy term and health cover while young
- Build a clean credit history
Settling down
- Choose your tax regime on purpose
- Review insurance when family changes
- Plan the home purchase before you shop
- Raise your SIP every year
Peak responsibilities
- Fund children's education separately
- Add retirement-focused investing
- Rebalance once a year
- Update your will and nominees
Getting ready
- Shift gradually towards debt
- Map your retirement income
- Reduce or clear the home loan
- Check health cover for the long run
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Work out your own numbers
All calculatorsHow we write about money
Finance writing is full of confident claims and thin evidence. We try to do the opposite.
- We show the arithmetic.
- When we say a loan costs ₹58 lakh in interest, you can see the rate, term and formula that produced it.
- We say what could go wrong.
- Every return figure is labelled as an assumption. Equity can fall, and debt funds are not risk-free.
- We point to the primary source.
- Rules come from the regulator's own documents, not from someone's summary of them.
- We revisit what changes.
- Tax slabs, insurance rules and rates move. Articles carry a date, and we flag the numbers you should re-check. Read our editorial policy.
One money note, every Sunday.
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