Personal Loan vs Credit Card EMI vs Top-Up Loan — True Cost Comparison
₹5 L for 36 months: personal loan ~13% APR, CC EMI 16-18% APR, top-up home loan 9-10%. Full APR/processing-fee/foreclosure breakdown for each.
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Car Loan vs Lease vs Cash — What Actually Makes Sense in India
₹10 L car: car loan ~9%, lease 18-22% effective, cash zero rate. Full TCO comparison plus the depreciation trap nobody warns you about.
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NPS Calculator and Tier 1 vs Tier 2 — Is the Extra ₹50,000 Deduction Worth It?
NPS Tier 1 gives an extra ₹50,000 tax deduction under 80CCD(1B). Tier 2 has no lock-in. Full comparison, returns, withdrawal rules, and is the deduction actually worth the lock-in.
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Sukanya Samriddhi Yojana Calculator — Full Maturity Math for a Daughter Born in 2025
SSY at 8.2% for a daughter born in 2025 builds ₹70+ lakh by maturity. Full year-by-year math, ₹1.5L deposit schedule, partial withdrawal and closure rules.
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FD vs Debt Mutual Fund vs RBI Floating Rate Bonds — Where to Park Conservative Money
Bank FD, debt mutual fund, RBI Floating Rate Savings Bond — full comparison on rate, tax, liquidity, and risk. Where conservative Indian investors should park ₹10 L+ in 2026.
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PPF vs EPF vs VPF — Complete Retirement Savings Comparison for Salaried Indians
PPF (7.1%), EPF (8.25%), VPF (8.25%) — which retirement savings tool fits salaried Indians best? Full comparison across return, lock-in, tax, and withdrawal rules.
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Capital Gains Tax on Stocks & Mutual Funds — STCG vs LTCG After Budget 2025
STCG 20%, LTCG 12.5% on equity above ₹1.25L — full capital gains rules for stocks, mutual funds, real estate, gold and crypto for FY 2025-26.
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SIP Calculator Guide — How ₹5,000/month Becomes ₹1 Crore (Step-Up SIP Comparison)
₹5,000/month SIP at 12% reaches ₹1 crore in 26 years. Step-up SIP cuts that to 19. Full math, return assumptions, and a side-by-side flat vs step-up comparison.
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Take-Home Salary Calculator — How CTC Becomes In-Hand Pay (Payslip Breakdown)
Decode your CTC to in-hand salary for FY 2025-26. Full payslip breakdown — basic, HRA, special allowance, EPF, gratuity, professional tax, TDS — with worked examples.
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HRA Calculator & Rules — How Much House Rent Allowance is Tax-Free in 2025-26
HRA exemption rules for FY 2025-26. The 50%/40% metro rule, the three-test formula, rent receipt requirements, landlord PAN rule, and a working calculator.
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Section 80C Investments Ranked — PPF vs ELSS vs NPS vs Tax-Saving FD (2026)
We rank every Section 80C option for FY 2025-26 by post-tax return, lock-in, and risk. PPF, ELSS, NPS, tax-saving FD, life insurance — what to actually pick.
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Old vs New Tax Regime FY 2025-26 — Which Saves More? (₹12L Rebate Calculator)
Compare old vs new tax regime for FY 2025-26 with the ₹12 lakh Section 87A rebate. Live calculator, slab-wise math, and the income breakeven where each regime wins.
