Make your salary work harder than you do
SIPs, index funds, 80C, emergency funds — explained the way a friend who actually knows money would explain it. Five calculators, zero jargon, no stock tips.
Where to start
Three steps, in this order. Skipping step one is the most common mistake.
How much can I invest?
Split your in-hand salary into needs, wants and savings, and set an emergency fund target before anything else.
What will it grow to?
See what a monthly SIP becomes over 5, 10 or 20 years, year by year, with a chart.
What tax can I save?
Enter your salary and see how much you can still save under Section 80C this year.
Money tools
Free, no login, works on your phone.
SIP Calculator
How much a monthly SIP grows — year by year, with a chart you can read.
FD vs SIP vs RD
Same money, three options. See which one wins over 5–20 years.
80C Tax Saver
Enter your salary and see how much tax you can still save under Section 80C.
Salary Planner
Needs, wants and savings — with an emergency fund target.
EMI Calculator
Monthly EMI and total interest for any loan or credit card, before you borrow.
Investing guides
Real charges, real comparisons. We only write about what we use ourselves.
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Charges, app experience and our honest take — in one table.
Got your first salary? Here's where to put it — step by step
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Coming soonBest first credit card for a new job (zero annual fee)
Who will approve you, what to check, what to avoid.
Coming soonHow to save up to ₹46,800 in tax with Section 80C
ELSS, PPF, NPS — what each one gives you.
Coming soonIndex fund vs FD — 5 years of real data
The numbers speak. We just made the table.
Coming soon10 mistakes to avoid before you start investing in stocks
Every beginner makes them — here's how not to.
Coming soonBeginner questions, answered
Where should a beginner investor start?
Build an emergency fund of 3–6 months of expenses first, in a savings account or liquid fund. Then start a monthly SIP in a low-cost Nifty 50 index fund with whatever you can sustain, even ₹500. Use the salary planner to find that amount, and only then look at tax-saving products under 80C if you use the old tax regime.
Should I invest or save for a house down payment first?
If you plan to buy within three years, keep the down payment out of equity — a short-duration debt fund, FD or RD is the right home for it, because a market fall just before you need the money is unrecoverable. Anything you will not touch for seven years or more can go into equity SIPs. Run the rent vs buy calculator first to be sure buying is the right call for your timeline.
What is the difference between the two sections on this site?
Money & Investing is about growing what you earn — SIPs, mutual funds, tax saving under 80C and splitting your salary. Home Loans & Buying is about buying a place to live. Land & Property for Sale is our own land desk, where we broker industrial, commercial and residential land in Delhi NCR — that one is a business, and it is labelled as such. Most people need both at different points, and every page tells you which section you are in, in the bar at the top.
Is everything here really free?
Yes. All calculators and guides are free with no login. The site may earn from clearly labelled affiliate links or ads, at no extra cost to you. We are not a SEBI-registered advisor and we give no personal investment advice or stock tips.
The other half of the site covers home loan eligibility, rent vs buy and the real cost of registering a property.
