Money Blog
Plain-English comparisons for the money decisions you actually face — not general advice, but a real framework for thinking through each one. Where it's useful, each post links to the PayClever calculator that runs the actual numbers.
Buy vs Rent in India: How to Actually Think About It
Buying a home isn't automatically the "financially smart" choice, and renting isn't automatically "wasting money" — here's the framework that actually matters, with India-specific factors most calculators ignore.
SIP vs Lumpsum: Which Actually Wins When You Have the Choice
If you have a lump sum sitting in your bank account, should you invest it all at once or spread it out as a SIP? The honest answer depends on one thing most people don't think to check.
FD vs RD vs SIP: Picking the Right Tool for Your Goal
These three get compared constantly, but they're not really competing for the same job. Here's how to match the tool to what you're actually saving for.
Retirement vs FIRE: You're Probably Asking the Wrong Question
"How much do I need to retire" and "when can I stop working" sound like the same question. They're not — and mixing them up leads to a corpus target that's either wildly wrong or years off.
Old vs New Tax Regime: Which Is Actually Better for You
The honest answer is "it depends," but it depends on exactly three things — not your income alone. Here's how to actually work out which regime wins for your specific numbers.
The ₹12 Lakh Tax Cliff: How Marginal Relief Works in the New Regime
Earn ₹12 lakh taxable and you pay no income tax. Earn ₹10,000 more and you don't suddenly owe ₹60,000 — here's how marginal relief works, with the real numbers for FY 2026-27.
HRA Exemption in FY 2026-27: Which Cities Count as Metro Now
From 1 April 2026 the 50% HRA limit applies to eight cities instead of four. Here is how the exemption is calculated, which cities qualify, and what the difference is worth.
RSU Tax in India: What You Pay at Vesting and What You Pay at Sale
RSUs are taxed twice in India: as salary when they vest, and as capital gains when you sell. Here is how each stage works, and why the 24-month rule matters for foreign shares.