Guides & explainers
Short, practical articles on money, tax and everyday file tasks. Every guide links to the free tool that does the maths for you.
- New vs old tax regime FY 2026-27: which one should you choose? Slab rates, the ₹12 lakh zero-tax rebate, and the exact deductions you need for the old regime to win at ₹8L, ₹12L, ₹15L, ₹20L and above. Read article
- 7 ways to reduce your home loan EMI (with real numbers) Prepay, refinance, extend, restructure: what each option does to a ₹50 lakh loan at 8.5%, and which ones actually save money rather than just lowering the EMI. Read article
- SIP vs lumpsum: which is better for you? The same ₹6 lakh invested monthly versus all at once, what history says about timing, and a simple rule for deciding based on where the money is coming from. Read article
- How to compress images for WhatsApp, email and websites without visible quality loss Which format to pick, what quality setting to use, when to resize instead, and why a 4 MB phone photo can become 300 KB with no difference on screen. Read article
- CTC vs in-hand salary: how to read your offer letter Basic, HRA, PF, gratuity, variable pay and tax: what each line in a CTC breakup means, and how ₹12 lakh becomes ₹88,000 a month. Read article