MoneyKit Blog
Long-form, worked-example guides on India personal finance — every post ends with the calculator that makes it real.
- Tax · 9 min read
New vs Old Tax Regime FY 2026-27: Which Saves More?
Compare new vs old income tax regime for FY 2026-27 with slab tables, Section 87A rebate math, and the break-even deduction threshold for salaried taxpayers.
- Loans · 8 min read
How EMI is Calculated: Formula, Worked Examples, Excel Sheet
The exact EMI formula every Indian bank uses, a worked example for a ₹50L 20-year home loan at 8.5%, and an Excel sheet + online-calculator comparison.
- Investments · 10 min read
SIP vs Lumpsum: When ₹10,000/month Beats ₹12L Upfront
Maths and the behavioural edge behind SIP vs lumpsum investing in India — rupee cost averaging, market-timing risk, and when each actually wins for a 10-year horizon.
- Tax · 9 min read
PPF vs ELSS vs Tax-Saver FD: Where ₹1.5L Goes Furthest Under 80C
Compare the three main Section 80C options on lock-in, returns, taxability, and post-tax corpus. A 30%-slab ready-reckoner for FY 2026-27 with worked numbers.
- Tax · 10 min read
Crypto Tax India FY 2026-27: Section 115BBH + 1% TDS
Section 115BBH 30% flat + 1% TDS u/s 194S decoded — airdrops, mining, staking, gifts, no-loss-offset rule, and the Form 26AS reconciliation every crypto investor misses.
- Loans · 8 min read
Home Loan Prepayment: Tenure Reduction vs EMI Reduction Math
When you part-prepay a home loan, should the bank reduce tenure or reduce EMI? The maths behind the choice, worked example on a ₹50L / 8.5% / 20-year loan, and the psychology that actually matters.
- Tax · 9 min read
GST in India FY 2026-27: Slabs, Forward vs Reverse Math
Every GST slab (0 / 0.25 / 3 / 5 / 12 / 18 / 28%), forward vs reverse calculation, CGST/SGST/IGST split, composition scheme, and the most common invoicing mistakes.
- Tax · 10 min read
Salary Structure India: CTC to In-Hand + HRA / Basic Optimization
Decode ₹X CTC into actual monthly take-home. Components, EPF wage cap, gratuity, HRA exemption math, and how basic-vs-HRA split affects tax for FY 2026-27.
- Forex · 10 min read
LRS TCS India: ₹7L Threshold for Education, Medical, Tour
Section 206C(1G) decoded — the 0.5% / 5% / 20% TCS rates for education, medical, tour, and general remittances, RBI $250K ceiling, bank margin math, and how to claim TCS back.
- Banking · 8 min read
FD Premature Withdrawal: The Real Math on SBI / HDFC / ICICI
How much do you actually lose when you break a fixed deposit early? Worked numbers on SBI, HDFC, and ICICI for a ₹10L / 3-year FD broken at month 18 — and when breaking still wins.
- Loans · 9 min read
Home Loan Balance Transfer: When Switching Actually Saves Money
Break-even math on moving a home loan from Bank A to Bank B at a 50-75 bps lower rate, including processing fees + insurance, and when the savings do not beat the friction.
- Loans · 10 min read
Rent vs Buy in Indian Metros: Break-Even Math FY 2026-27
Proper apples-to-apples break-even between renting and buying a ₹1.5Cr Bangalore / Mumbai flat. Includes rent yield, opportunity cost, stamp duty, tax savings, and the 8-year rule of thumb.
- Investments · 8 min read
Emergency Fund India: How Much + Where to Park It
The 3-6-9 month emergency fund rule for India, split by job risk. Compare liquid funds, sweep-in FDs, savings accounts on return, liquidity, and tax — with real numbers.
- Investments · 9 min read
NPS Tier I vs Tier II: Retirement + Flexi Split FY 2026-27
Compare NPS Tier I (retirement, locked till 60, tax-advantaged) vs Tier II (flexi, withdraw anytime, no extra tax break). Subscriber math, 80CCD sections, annuity fine print.
- Tax · 11 min read
India Tax Deductions Reference: 80C / 80CCD / 80D + All Sections
Every Chapter VI-A deduction in one page: Section 80C / 80CCD / 80D / 80E / 80G / 80TTA / 80TTB / 24(b). Caps, overlaps, old vs new regime availability, FY 2026-27.
- Tax · 9 min read
Property LTCG: 12.5% No-Indexation vs 20% With-Indexation
The Budget 2024 taxpayer choice on property LTCG — 12.5% flat vs 20% with CII indexation. Break-even holding period, worked ₹1Cr→₹2.5Cr sale, pre-Jul-2024 grandfathering.
- Tax · 11 min read
ITR Filing India: Which Form + AIS / 26AS Reconciliation
Pick the correct ITR form (1 / 2 / 3 / 4) for your income mix, cross-check every TDS credit in AIS against Form 26AS, and file on time to avoid the 139(9) notice.