https://tldrmoney.in/blog Personal finance written for India, without the sales pitch. Money explained by people who don't earn a commission on your decisions. en-in Sonal Systems Private Limited hello@tldrmoney.in (Nirmal Amin) hello@tldrmoney.in (Nirmal Amin) Mon, 17 Aug 2026 03:30:00 GMT https://tldrmoney.in/assets/icon-512.png https://tldrmoney.in/blog https://tldrmoney.in/blog/where-your-emi-money-goes-india https://tldrmoney.in/blog/where-your-emi-money-goes-india Mon, 17 Aug 2026 03:30:00 GMT Nirmal Amin 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. https://tldrmoney.in/blog/life-cycle-funds-india https://tldrmoney.in/blog/life-cycle-funds-india Sat, 15 Aug 2026 03:30:00 GMT Nirmal Amin 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. https://tldrmoney.in/blog/income-tax-act-2025-what-changed https://tldrmoney.in/blog/income-tax-act-2025-what-changed Thu, 13 Aug 2026 03:30:00 GMT Nirmal Amin 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. https://tldrmoney.in/blog/gmail-expense-tracking-india https://tldrmoney.in/blog/gmail-expense-tracking-india Sat, 08 Aug 2026 03:30:00 GMT Nirmal Amin 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. https://tldrmoney.in/blog/how-to-track-expenses-on-iphone-india https://tldrmoney.in/blog/how-to-track-expenses-on-iphone-india Sat, 08 Aug 2026 03:30:00 GMT Nirmal Amin 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. https://tldrmoney.in/blog/is-it-safe-to-give-sms-permission-to-expense-apps https://tldrmoney.in/blog/is-it-safe-to-give-sms-permission-to-expense-apps Sat, 08 Aug 2026 03:30:00 GMT Nirmal Amin 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. https://tldrmoney.in/blog/why-most-expense-trackers-are-android-only https://tldrmoney.in/blog/why-most-expense-trackers-are-android-only Sat, 08 Aug 2026 03:30:00 GMT Nirmal Amin 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. https://tldrmoney.in/blog/is-your-flat-overpriced-india https://tldrmoney.in/blog/is-your-flat-overpriced-india Wed, 05 Aug 2026 03:30:00 GMT Nirmal Amin 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. https://tldrmoney.in/blog/rent-vs-buy-india https://tldrmoney.in/blog/rent-vs-buy-india Wed, 05 Aug 2026 03:30:00 GMT Nirmal Amin 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. https://tldrmoney.in/blog/upi-rule-changes-india-2026 https://tldrmoney.in/blog/upi-rule-changes-india-2026 Wed, 05 Aug 2026 03:30:00 GMT Nirmal Amin Parliament has cleared the bill that could end free UPI — but nothing is charged yet. What is law, what is signed, and what is still only a proposal. https://tldrmoney.in/blog/emi-to-income-ratio-india https://tldrmoney.in/blog/emi-to-income-ratio-india Tue, 04 Aug 2026 03:30:00 GMT Nirmal Amin 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 every month. https://tldrmoney.in/blog/two-economies-india https://tldrmoney.in/blog/two-economies-india Mon, 03 Aug 2026 03:30:00 GMT Nirmal Amin India runs on two economies — one where you sell time, one where money makes money. Here's the structural gap between them, and the one move that crosses it. https://tldrmoney.in/blog/calculated-risk-investing-india https://tldrmoney.in/blog/calculated-risk-investing-india Sun, 02 Aug 2026 03:30:00 GMT Nirmal Amin SEBI data: 93% of F&O traders lost ₹1.8 lakh crore between FY22 and FY24. The winners weren't smarter — they just had a plan for losing. https://tldrmoney.in/blog/subscription-trap-india https://tldrmoney.in/blog/subscription-trap-india Sat, 01 Aug 2026 03:30:00 GMT Nirmal Amin 42% of people are paying for a subscription they've forgotten. Here's what India's UPI Autopay boom is actually costing you every month. https://tldrmoney.in/blog/credit-card-statements-india https://tldrmoney.in/blog/credit-card-statements-india Fri, 31 Jul 2026 03:30:00 GMT Nirmal Amin We read 50 real credit card statements. Here are the four lines where the money quietly leaves — and how to spot them on yours tonight. https://tldrmoney.in/blog/emis-killing-sip-returns-india https://tldrmoney.in/blog/emis-killing-sip-returns-india Thu, 30 Jul 2026 03:30:00 GMT Nirmal Amin 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.