FinPlann Blog — Personal Finance
Guides & insights for everyday investors
Practical articles on mutual funds, tax planning, retirement, insurance, and the money decisions that shape everyday life.
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The 50/30/20 Budget Rule: How to Apply It on an Indian Salary
The 50/30/20 rule is the simplest framework for managing money — 50% needs, 30% wants, 20% savings. But adapting it to Indian income levels, EMIs, and family obligations requires some smart adjustments.
Physical Gold vs Sovereign Gold Bonds vs Gold ETFs: The Complete Comparison
Gold is central to Indian family finance — but the way you hold it matters enormously. Physical jewellery, SGBs, and Gold ETFs have very different cost structures, returns, and tax treatments.
Home Loan Prepayment vs SIP: Where Should Your Extra Money Go?
Got a year-end bonus or extra savings? Should you prepay your home loan EMI or invest it in SIPs? The answer is not as obvious as it seems — and depends on your interest rate, tax bracket, and risk appetite.
Buy vs Rent: The Most Important Financial Decision for Urban Indians
Everyone says buying a house is the ultimate goal. But for many urban Indians, renting and investing the difference can build significantly more wealth. The answer depends on your city, income, and goals.
Emergency Fund: How Much Do You Really Need and Where Should You Keep It?
An emergency fund is the single most important financial safety net. But most Indians either have too little, too much sitting idle, or keep it in the wrong place. Here is the complete guide.
New Tax Regime vs Old Tax Regime: Which Should You Choose in FY 2025-26?
The government made the new tax regime the default in 2023. With revised slabs, a higher rebate limit, and no deductions, deciding which regime saves you more tax requires a careful calculation.
ELSS vs PPF: Which Is the Best Tax-Saving Investment Under Section 80C?
Both ELSS and PPF save tax under Section 80C — but they work very differently. Here is a head-to-head comparison to help you pick the right one for your situation.
Understanding the 4% Rule and FIRE for Indian Investors
The FIRE movement — Financial Independence, Retire Early — is gaining traction in India. But the popular 4% rule was designed for the US. Here is what Indian investors need to know before chasing FIRE.
Term Insurance vs Investment Plans: Why You Should Never Mix the Two
ULIPs and endowment plans promise insurance plus returns. But this mix often delivers the worst of both worlds — inadequate cover and poor returns. Here is why pure term insurance wins every time.