Notes on money, health and the arithmetic behind them
Plain explanations of the money and health questions our calculators answer — EMI, SIP, tax regimes, PPF, BMI and the rest, with the arithmetic worked through.
Step-up SIP vs flat SIP: the 10% raise that nearly doubles your corpus
A flat ₹10,000 SIP reaches ₹99.9 lakh in 20 years at 12%. Raise it 10% a year and it reaches ₹1.99 crore. Here is what that really takes.
25 October 2026 · 5 min read
How much SIP do you need for ₹1 crore? The table by rate and years
₹10,009 a month for 20 years at 12%, or ₹43,041 for 10 years. The same crore costs wildly different amounts depending on when you start.
25 October 2026 · 5 min read
Avalanche vs snowball: which debt should you pay off first?
On ₹7.75 lakh of four debts and ₹5,000 extra a month, avalanche saves ₹21,367 over snowball. And if you pay only the minimums, the credit card never clears.
25 October 2026 · 5 min read
Break-even point for a small business: a tiffin service, worked out
₹45,000 of fixed costs and ₹38 left from each ₹90 tiffin means 1,185 a month to break even. Raise the price to ₹100 and it falls to 938.
25 October 2026 · 5 min read
Changing tyre size: how much speedometer error is safe?
Moving from 205/55 R16 to 225/45 R17 changes diameter by just 0.38%. 205/55 R17 changes it by 4.0%, so 100 on the dial is really 104. The sums, size by size.
25 October 2026 · 5 min read
What ₹1 crore will buy in 20 years: inflation in plain numbers
At 6% inflation, ₹1 crore in 2046 buys what ₹31.2 lakh buys today. To keep today's buying power you would need ₹3.2 crore. Here is how to plan for it.
25 October 2026 · 6 min read
Prepay your home loan or invest? The ₹5 lakh question, with real numbers
₹5 lakh against a ₹50 lakh loan at 8.5% saves ₹13.2 lakh of interest if you keep the EMI, but only ₹4.5 lakh if the bank cuts it. Timing matters more.
25 October 2026 · 5 min read
Net run rate: how big a win do you need to qualify?
A team on +0.551 NRR needs to win by 83 runs, not just win, to cross +1.000 in its last match. Worked scenarios for bowling first, chasing and losing.
25 October 2026 · 6 min read
Markup vs margin: why a 50% markup is not a 50% profit
A shopkeeper who adds 50% to cost has a 33.3% margin, not 50%. The gap widens with every extra point, and it is how many businesses quietly underprice.
25 October 2026 · 5 min read
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- BMR & calorie deficit: how fast should you really lose weight? · 4 September 2026
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- Home loan vs car loan EMI: what actually differs · 21 August 2026
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- Simple interest vs compound interest: why your money grows differently · 14 August 2026
- Old vs new tax regime: which should you choose? · 11 August 2026
- SIP vs lumpsum: which investment strategy wins? · 7 August 2026
- How EMI is calculated: the formula behind your loan installment · 4 August 2026