Toolkit
Big Money Decisions Toolkit
Most adult money decisions are trade-offs, not single calculations. This toolkit collects the comparators that help you make the calls you'll be living with for years — buying a home, prepaying a loan, picking the right deposit.
Tools in this kit
Rent vs Buy Calculator
Should you buy a home or rent and invest the difference? Net-worth comparison over your horizon.
Loan Prepay vs Invest Calculator
Should you prepay your loan or invest the surplus? Get a clear, after-tax verdict.
FD vs RD Calculator
Compare a lumpsum Fixed Deposit against a monthly Recurring Deposit at the same rate.
Loan Prepayment Calculator
See exactly how much interest and time you save by prepaying a loan — extra monthly + lumpsum.
Real Return Calculator
Compute the inflation-adjusted (real) return on any investment using the Fisher equation.
Inflation Calculator
See what today's money will be worth in the future — and how much purchasing power you'll lose.
Worst-Case Scenario Calculator
Stress-test any plan against lower returns and higher inflation — in real, inflation-adjusted rupees.
Worth reading
2 min read
Things to check before taking a home loan
A focused checklist of the things that quietly decide whether your home loan is a good one — or a long, expensive habit.
2 min read
How EMI really affects total interest
Why a small change in tenure or rate quietly costs you years of interest — and how to see it before you sign.
2 min read
Building a diversified portfolio that actually holds up
A practical, jargon-light framework for putting together a portfolio that survives bad years without sacrificing long-term growth.
Quick tips
- 1Always compare net worth at horizon, not monthly cashflow.
- 2Use real (post-inflation) returns when comparing across decades.
- 3Don't forget tax — it can flip the verdict on prepay vs invest.
- 4Re-run these comparisons annually as rates and incomes change.