India 2025

Income-Tax hacks—Save ₹66k without 80C (free calculator).

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Income-tax hacks (new regime)—save ₹ 66k without 80C—CFA-level tax hacks for Indian salaries.Most Indians follow 50-30-20—but a ₹10 L salary → ₹66 k saved without 80C → same take-home as the old regime.Secret: HRA receipts + LTA bills + food coupons + home-loan interest + NPS + employer PF → all exempt under the new … Read more

7-Step Personal Finance Framework—Free PDF + Google-Sheet (India 2025)

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Section 1 – Build 6-Month Emergency Fund (200 words)I built a 6-month cushion on ₹22 k take-home in 14 months—without skipping weekend biryani.Target: 6 × monthly expenses (₹25 k expenses → ₹1.5 lakh).Micro-task: ₹100/day auto-debit (UPI mandate) → same time daily.Case study: Month 1 surplus ₹4.8 k, Month 14 total ₹1.48 k → COVID layoff … Read more