Savings & Insurance
FD, RD, PPF, and insurance — comparing safe, guaranteed-return options side by side.
Guides
September 15, 2026 · 4 min read
How Long Does It Actually Take to Double Your Money in KVP?
At the current 7.5% KVP rate, your money doubles in 9.58 years — not a clean 10, and it changes every time the government revises the rate. Here's the full doubling-time table.
September 15, 2026 · 5 min read
How Much Term Insurance Do You Actually Need?
₹10 lakh income at a 15× multiple, plus ₹20 lakh in outstanding loans, works out to ₹1.7 crore of cover needed — not the round ₹1 crore most people default to. Here's the actual math.
August 26, 2026 · 5 min read
Simple Interest Calculator: Formula, Examples & When It Applies
Simple interest is the one everyone learns in school, but almost nothing in real banking actually uses it. Here's where it still applies, and the exact formula.
August 24, 2026 · 6 min read
NSC (National Savings Certificate): Interest, Maturity & How It's Calculated
NSC's interest compounds annually but you never see it until maturity — here's exactly how that number is calculated, and what it grows to.
August 24, 2026 · 5 min read
RD Calculator: How Recurring Deposit Maturity Is Calculated
An RD isn't just monthly deposits added up — quarterly compounding means your maturity value is higher than the total you put in. Here's the exact math.
August 24, 2026 · 5 min read
Post Office Monthly Income Scheme (POMIS): Monthly Income Explained
POMIS pays your interest out every month instead of compounding it — here's exactly how much income that generates, and where the ₹9 lakh cap comes from.
August 24, 2026 · 6 min read
Mediclaim Premium Calculator: How Much Health Insurance Actually Costs
Most people call it "mediclaim," not health insurance — here's roughly what it costs by age, and why a family floater isn't simply everyone's premiums added up.
August 24, 2026 · 5 min read
Senior Citizen Savings Scheme (SCSS): Quarterly Payout Explained
SCSS is built specifically for retirement income — here's exactly how much it pays out every quarter, and how the ₹30 lakh deposit cap works.
August 23, 2026 · 8 min read
How Much Do You Actually Need to Retire in India?
"Save as much as you can" isn't a plan. Here's the actual framework — inflate your expenses, size your corpus, work backward to a monthly number.