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.

BMR minus a calorie deficit equals weight loss, shown beside a salad bowl, a bathroom scale reading 62.5 kg and a handwritten checklist for losing weight sustainably.

BMR & calorie deficit: how fast should you really lose weight?

The 7,700-calories-per-kilogram rule works for about eight weeks and then quietly stops. Here is what actually happens after that, and the rate that survives month six.

4 September 2026 · 6 min read

BMI vs BMR vs TDEE: what's the difference and why it matters
Three acronyms, three completely unrelated things. One is a ratio from the 1830s, one is what you burn asleep, and only one of them is a number you can eat against.
1 September 2026 · 5 min read
CAGR vs absolute returns: how to judge investment performance correctly
\"My investment doubled\" tells you almost nothing. Doubling in three years is 26% a year. Doubling in ten is 7.2%. One of those is exceptional and the other is a fixed deposit.
28 August 2026 · 5 min read
PPF vs FD vs SIP: where should your money actually go?
Same ₹12,500 a month for fifteen years. One ends at ₹39.7 lakh, one at ₹40.7 lakh, one at ₹63.1 lakh. The gaps are not where most people expect.
25 August 2026 · 5 min read