The arithmetic behind EMIs, rent vs. buy, and your FIRE date — for Indian salaries, in rupees. No sales pitch.
On a 20-year home loan, five years of EMIs clears just 11.9% of the principal. The arithmetic behind it, and the one instruction that changes it.
Read the numbers →SEBI created life cycle funds in February 2026. One AMC has launched any. The glide path is real, the exit load is 3%, and most coverage has the bands wrong.
Read the numbers →India replaced its 1961 income tax law on 1 April 2026. Rates, slabs and deductions did not change. Here is what did, and the part now in court.
Read the numbers →A flat's rent is the one number nobody can inflate. Divide it by the asking price and you get a fast, honest read on whether that price is defensible.
Read the numbers →Android exposed the SMS inbox and iOS never did. How one platform decision shaped India’s expense app market, and what it leaves iPhone users with.
Read the numbers →SMS permission grants every message, not just bank alerts — including OTPs. What Google Play now restricts, the real risk, and how to judge an app.
Read the numbers →iOS blocks apps from reading SMS, so India’s usual tracking method does not exist here. What actually works on an iPhone, and what each option misses.
Read the numbers →Your bank emails every UPI debit, card spend and salary credit. How those alerts become a spending record, what parsing reads, and where it breaks.
Read the numbers →A sorted, sourced breakdown of every UPI rule change in 2025-26 — what is already live, what is signed but not in force, and what is still only a proposal.
Read the numbers →Your SIP is up 11.7% this year. Your phone EMI charges 16%. Here’s the comparison almost nobody runs — and the 7% rule that settles it.
Read the numbers →The minimum-due trap, the no-cost EMI lie, and the other lines on your statement worth actually reading.
Read the numbers →42% of people are paying for a subscription they’ve forgotten. What India’s UPI Autopay boom is actually costing you every month.
Read the numbers →India runs on two economies — one where you sell time, one where money makes money. The structural gap, and the one move that crosses it.
Read the numbers →SEBI data: ₹1.8 lakh crore in losses. The winners weren’t smarter — they just had a plan for losing.
Read the numbers →Everyone assumes buying beats renting. Run the 20-year numbers on a ₹1 crore flat and see what renting and investing the difference actually does.
Read the numbers →40% of smartphones, two in three premium phones, and roughly 80% of cars in India are bought on EMI. Here’s what that’s actually costing you.
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