Finance Insights
Notes on allocation, credit and tax.
Short, practical write-ups from the desk — and a running log of what's shipping across the tools.
Auto-refreshes every 60s. Crypto trades 24/7 and moves continuously; currency (FX) markets close on weekends, so INR rates are flat Sat–Sun. Tap any tile for the live chart on Google Finance / CoinGecko. Indicative figures, not advice.
Tax & Compliance
New vs old tax regime: which wins in FY 2026-27?
Current slabs, the ₹12 lakh zero-tax rebate, and the rough deduction threshold where the old regime still beats the new one.
Credit Architecture
Maximizing point yields across multiple cards
Category mapping, milestone benefits, the fee-vs-rewards breakeven, and why carrying a balance erases every point you earn.
Digital Utilities
Why browser-native tools beat cloud apps on privacy
When parsing and rendering happen on your device, your files and numbers never leave it — and you can verify that yourself.
Rates & Macro
The RBI repo rate is 5.25% — what it means for you
After the 2025 cuts, the easing cycle is paused. What that does to floating-rate EMIs and your fixed deposits.
Planning
How big a SIP do you need to retire?
A four-step, back-of-the-napkin method to size your corpus and the monthly SIP that gets you there.
Tax & Compliance
GST basics for freelancers & small businesses
GST 2.0 slabs, when you must register, zero-rated service exports, invoicing and the returns you'll file.
Changelog
What's new
Shipping notes across the hub.