Money questions
Common questions, worked out with the same calculators you can open and change. Each answer uses the inputs the linked calculator opens with.
Can a ₹3,000 SIP started at 25 beat a ₹10,000 SIP started at 35?
Yes. By 60, at an assumed 12% return, ₹3,000 a month from 25 grows to ₹1.95 Cr, against ₹1.9 Cr for ₹10,000 a month from 35, while investing ₹12.6 L instead of ₹30 L.
Try your own numbers →If I pay ₹3,000 extra on my home loan EMI every month, how much do I save?
On a ₹50 L loan at 8.5% for 20 years, about ₹9,39,370 in interest, and the loan closes 2 years 11 months early.
See the schedule →New or Old tax regime: which is better at ₹15 lakh salary?
The New Regime, by ₹1,05,300 a year: ₹97,500 under the New Regime against ₹2,02,800 under the Old one with ₹1.75 lakh of 80C and 80D deductions.
Add your deductions →Rent and invest, or buy a home in 2026?
For a ₹80 L flat against ₹25,000 rent, over 20 years renting and investing the difference comes out ahead by about ₹2.63 Cr in net worth, assuming 5% price growth and 12% returns.
Change the assumptions →I have ₹10 lakh: where should I put it in FD?
For 2 years, the highest bank rate in our data is 7.55% at Ujjivan SFB. Split across 3 banks to stay within ₹5 lakh deposit insurance each, it grows to about ₹11,60,712.
See the options →How much life and health insurance does a family need?
For a 35-year-old earning ₹18 lakh with a ₹30 lakh home loan and one child in a metro: about ₹1.75 Cr of term cover until 60, and ₹10 L health cover with a ₹25 L super top-up.
Use your family's numbers →Paying only the minimum due on ₹50,000? Here's how long it takes
About 30 years 5 months, and ₹2,61,434 in interest and GST, on an example card charging 3.75% a month with a 5% minimum due and no new spends.
Use your card's figures →Is your credit card worth its annual fee?
On an example ₹30,000 a month of spending, a card earning 2–5 points per ₹100 at ₹0.25 a point returns about ₹2,640 a year, and the spend clears the fee-waiver threshold.
Check your card →