Step-by-step guides to help you make better financial decisions
The most common retirement planning question is how much is enough. This guide uses the realistic cost-of-living approach to calculate your retirement corpus — accounting for inflation, healthcare costs, and your expected lifestyle — so you know exactly what you need to save.
Difficulty: intermediate
Your net worth — assets minus liabilities — is the single most important number in personal finance. It tells you where you stand financially and whether you are making progress. This guide shows you exactly how to calculate it, track it, and use it to set financial goals.
Difficulty: beginner
Your CIBIL score affects whether you get loans, the interest rate you pay, and even your job applications in some cases. This guide covers exactly how credit scores work, what activities hurt your score, and a step-by-step plan to improve from poor (650) to excellent (800+).
Difficulty: intermediate
At 30, you are likely earning more than ever before but also facing new financial responsibilities. This guide covers the specific financial milestones you should have hit by 30 — from emergency funds to insurance to investments — and what to prioritize next.
Difficulty: intermediate
The 50/30/20 rule divides your after-tax income into needs (50%), wants (30%), and savings (20%). This guide explains exactly how to categorize your expenses, automate savings so you never overspend, and adjust the ratios if you live in a high-cost city.
Difficulty: beginner
Trading and investing are fundamentally different approaches to the stock market. Trading seeks to profit from short-term price movements; investing seeks to profit from business growth over years. This guide helps you decide which approach suits your personality, time horizon, and financial goals.
Difficulty: intermediate
IPOs (Initial Public Offerings) let you buy shares of a company at the issue price before they start trading on the stock exchange. This guide covers how to find IPOs, apply through your broker, understand the allocation process, and what happens after allotment.
Difficulty: beginner
Candlestick charts are the visual language of stock price movements. This guide teaches you how to read candlestick patterns — from single candle patterns like doji and hammer to multi-candle patterns like engulfing and morning star — and how to use them to time your entries and exits.
Difficulty: intermediate
Fundamental analysis evaluates a company's real value by examining its financial statements, competitive position, industry trends, and management quality. This guide teaches you how to analyze a stock like a professional investor — from reading profit and loss statements to understanding balance sheet health.
Difficulty: intermediate
Intraday trading means buying and selling stocks within the same trading day — you close all positions before market close. This guide covers the rules, strategies, and risks of intraday trading in India, including how to use margins, stop-losses, and why most retail intraday traders lose money.
Difficulty: intermediate
If your tax liability exceeds ₹10,000 in a year, you must pay advance tax in quarterly installments. This guide explains when and how to pay advance tax, the due dates for each installment, how to calculate your advance tax liability, and what happens if you miss an installment.
Difficulty: intermediate
Section 80D allows deductions for health insurance premiums paid for yourself, spouse, children, and parents. This guide covers the complete 80D deduction structure, including the additional deduction for preventive health check-ups and how to combine 80D with your health insurance riders.
Difficulty: intermediate