Simple tools for
big money decisions.

EMI, SIP, home loan, income tax, retirement & more. Fast, private, runs entirely in your browser.

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From the Guides

Deep dives that save you real money, with calculators you can try on the same page.

How much term insurance do I need?

Ladder your term cover across liability, kid and retirement years and save 20-30% on premium, with the honest math.

Read guide Health Insurance

Base plan vs Super Top-up explained

₹5L base + ₹20L top-up vs one ₹25L policy: 40% cheaper for the same cover, once you see the premium table.

Read guide Emergency Fund

FD vs Debt Fund for emergency fund

6-month fund of ₹6L across FD ladder, liquid fund and sweep-in: which nets you more after tax and still unlocks in 24 hours.

From the Blog

Stories, dilemmas and book takeaways: the part calculators can't answer on their own.

Rent vs Buy a Home in India: the honest math

Opportunity cost, repairs, society fees and the one lens most people miss when they argue about this at dinner.

Read post Real Story

Why I wish I had bought term insurance at 26

What the premium would have been, what it is today, and what a delayed medical test actually costs down the line.

Read post Book Notes

Best lessons from "The Psychology of Money"

Morgan Housel's nine ideas that actually travel to India, told through local examples, not American portfolios.