Personal Finance & Wealth Guides
Honest, India-specific insights on fixed deposits, tax planning, mutual funds, and private offline budgeting from the Rupix team.
What is a Fixed Deposit (FD) and How Does FD Interest Work? Beginner's Guide for India
Fixed deposits remain India's favourite low-risk savings tool, offering guaranteed returns and capital protection. Here is how FD interest is calculated, simple vs compound interest, cumulative vs non-cumulative options, tax rules (TDS/80TTB), DICGC insurance, and how to use FD laddering to maximize returns.
What is term life insurance, and who actually needs it?
It's the most boring product in personal finance — no returns, no maturity value, you "lose" the premium if you survive. And yet almost everyone with dependents needs it. Here's what term insurance actually is, how it's different from every other insurance plan you'll be sold, and how to figure out if and how much you need.
The power of compounding explained with simple Indian examples
Warren Buffett made almost all of his wealth after age 50 — not because he suddenly got smarter, but because he had been compounding for decades. Here's exactly how compounding works, why time matters more than the amount you invest, and how to actually use it with real Indian numbers.
What is a share (stock)? A complete beginner's guide for India
Everyone tells you to "invest in the stock market" — but what are you actually buying when you buy a share? Here's what ownership really means, how shares are bought and sold in India, and how beginners can start without getting overwhelmed.
Why you need an emergency fund (and how much to save in India)
An emergency fund is the foundation of every financial plan. Without one, a single unexpected expense can wipe out years of careful saving and investing. Here's how much you need, where to keep it, and how to build it from scratch.
Why you should start investing in your 20s (even with just a few hundred rupees)
Starting early is the closest thing to a financial superpower. Even small sums invested in your 20s can outgrow larger amounts invested later, thanks to decades of compounding. You don't need a big salary to begin - just consistency and the right account.
SIP vs lumpsum: which is better for you in 2026?
Wondering whether to invest a lump sum or start a SIP in 2026? Both strategies have their place, but the right choice depends on your cash flow, risk appetite, and goals. Let's break down the numbers, tax angles, and practical tips to help you decide.
What is a credit score (CIBIL) in India — and why it decides your loan fate
A three-digit number between 300 and 900 can save you lakhs in interest — or shut you out of credit entirely. Here's what a CIBIL score actually is, how it's calculated, the habits that build it, and the mistakes that destroy it. Plus: how to check yours for free.
What is a mutual fund? A beginner's guide for India
You've heard the ad a hundred times: 'mutual funds sahi hai.' But what actually is a mutual fund, where does your money go, and why do people keep saying 'direct plan' like it's a secret code? Here's the complete beginner's breakdown — no jargon left unexplained.
What is inflation? Why it quietly eats your savings in India
Every year, prices rise — the ₹100 dosa becomes ₹105, the ₹20 chai becomes ₹22. This is inflation, and it's the silent thief that makes your savings worth less over time. Here's exactly how inflation works in India, why it matters more than you think, and the simple move that protects your money.
Saving vs investing in India — what's the difference, and why you need both
Most people use 'saving' and 'investing' as if they mean the same thing. They don't — and mixing them up is why many Indians end up with emergency money locked in a market dip, or long-term wealth sitting in a savings account that barely beats inflation. Here's the real difference, when to use each, and a simple way to split your money between them.
What is investing? A complete beginner's guide for India (start here)
Brand new to money and investing? This is the one guide to start with. In plain language — what investing actually is, why saving alone isn't enough, how compounding quietly builds wealth, the main ways Indians invest, and exactly how a beginner can take the first step.
SIP (Systematic Investment Plan) — the complete guide for beginners in India
A ₹2,000 monthly SIP started at 25 can build more wealth than a ₹20,000 SIP started at 40 — because of one force: compounding. Here is everything you need to know to start, choose, and stay invested in a SIP in India.
How to calculate your loan EMI — and the mistake that costs you the most
Before you take any loan, know exactly what it costs every month and over its lifetime. Here's how EMI is actually calculated, the one number lenders hope you ignore, and a free calculator to check any loan in seconds — no signup.
How much will your SIP actually grow? Run the numbers before you invest
A ₹5,000 monthly SIP can become very different amounts depending on returns and time. Here's how SIP growth really works — compounding, realistic return assumptions — plus a free calculator to project any SIP.
GST calculator: how to add or remove GST correctly (without the common error)
Adding 18% GST and removing 18% GST are not the same maths — and getting it wrong quietly costs freelancers and small businesses real money. Here's how GST calculation actually works, with a free calculator.
How to save money every month on a small salary in India
Saving feels impossible when the salary is small and prices keep rising. Here's a practical, no-guilt system to save every month — even on a tight income — starting with one habit that changes everything.
How to make a monthly budget that actually works (a simple method for India)
Most budgets fail because they're too complicated to keep up. Here's a simple, realistic way to budget your monthly income in India — and actually stick to it.
How to track your expenses without giving an app access to your bank
Auto-sync expense apps often want your netbanking login or SMS inbox permissions. Here's how to track spending accurately while keeping your accounts — and your data — entirely private.
How to make a family budget in India — a step-by-step guide
Budgeting for a family in India is different from solo budgeting — EMIs, school fees, groceries, and festival spending all compete for the same salary. Here is a practical framework that works.
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