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Money decisions, explained

Practical reads on tax, loans, saving and investing in India. Each article links to a free calculator so you can check the numbers with your own figures. RSS feed

15 Nov 2026 · 3 min read Prepaying your home loan: should you reduce the EMI or the tenure? A lump sum towards your home loan can cut years off it or lower your monthly EMI. One saves far more interest; the other frees up cash every month. Here is how to choose. 12 Nov 2026 · 3 min read How to set your freelance rate in India: start from take-home, not from the market Most freelancers pick a rate by looking at what others charge. A steadier way is to start from the money you need each month and work back through expenses, unbilled time and tax. 10 Nov 2026 · 2 min read GST-inclusive or exclusive? How to read the tax on a price A quoted price either already contains GST or has it added on top. Here is how to tell which, how to pull the GST out of a total correctly, and why your bill shows CGST and SGST.