6 min read
How Much Should You Invest Every Month? The 50/30/20 Rule for India
A general benchmark is to invest a minimum of 20% to 30% of your net monthly in-hand salary into diversified assets.
Category
Personal Finance Guides
Master budgeting, emergency funds, net worth, and financial planning.
6 min read
How Much Emergency Fund Do You Need? The 6-Month Survival Rule
An emergency fund should cover 3 to 6 months of mandatory living expenses (rent, groceries, EMIs, utilities, and insurance premiums).
8 min read
Retirement Corpus Calculation: How Much Do You Need to Retire in India?
If you spend ₹50,000/month today at age 30, at 6% inflation your monthly expense at age 60 will be ₹2.87 Lakh. You need a retirement corpus of approximately ₹5.5 Crore to ₹6.5 Crore.
5 min read
Inflation and Purchasing Power: The Silent Wealth Destroyer in India
At 6% inflation, ₹1,00,000 today will have the purchasing power of only ₹55,839 in 10 years and just ₹31,180 in 20 years.
6 min read
How to Calculate Net Worth: The Personal Balance Sheet Guide
Your net worth is the single most accurate scorecard of your long-term financial progress.
8 min read
Rent vs Buy in India: Mathematical Analysis for Major Metro Cities
In major Indian metros (Bengaluru, Mumbai, NCR), residential rental yields are low (2.5% to 3.5%), whereas home loan interest is ~8.5%. Renting and investing the EMI differential in equity SIPs often generates superior financial wealth.
7 min read
Prepay Loan vs Invest: Where Should Your Extra Money Go?
Prepaying an 8.5% home loan gives a guaranteed, risk-free return equal to your effective post-tax loan interest rate (~7.5% - 8.5%). Investing in equity mutual funds offers potential 12% returns with market risk.