Wealth, Advice & Personal Finance

Where the money is and where it goes. Accounts, income, expenses, goals, the household sheet.

• 01

  Goal Planning: What Any Goal Actually Costs You Every Month

  Calculate
• 02

  Monthly Budget: Building a Household Plan From Documents

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The first thing that goes wrong. Loans, cards, interest, the score, and the trap.

• 01

  Loan and EMI: What an Instalment Is Made Of, Month by Month

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• 02

  Compound Interest: How a Balance Grows on Its Own Interest

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• 03

  Debt Payoff: Which Debt to Clear First, and What It Saves

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• 04

  Debt-to-Income Ratio: What Share of Your Money Is Owed

  Calculate

The buffer before anything else. Shocks, the emergency fund, and income disruption.

• 01

  Emergency Fund: What a Buffer Covers, Measured in Months

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• 02

  Household Net Worth: Everything Held, Everything Owed

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Transferring what a buffer cannot absorb. Term, health, claims, and the mixed products.

• 01

  Term Cover Need: Working Out What Would Have to Be Replaced

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Only once the base is secure. What equity is, what a return promise means, and speculation.

• 01

  SIP Future Value: Arithmetic on an Assumption You Choose

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The longest goal. EPF, PPF, NPS, gratuity, pensions, longevity and the withdrawal rate.

• 01

  Retirement Projection: What the Arithmetic Needs From You

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