FinPlann Blog — Personal Finance for Indians
Guides & insights for everyday investors
Practical articles on mutual funds, tax planning, retirement, insurance, and the money decisions that shape middle-class Indian life.
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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.
How Much SIP Do You Need to Become a Crorepati?
Becoming a crorepati sounds out of reach, but with disciplined SIP investing and the power of compounding, it is more achievable than you think — even on a modest salary.
Topics We Cover
Six areas, all India-first
Every article is written for Indian investors. We explain the maths, cite the rules, and give you action steps — not generic advice.
Mutual Fund Investing
SIP sizing, step-up strategies, lump sum vs SIP, fund category guides, and portfolio reviews.
Tax Planning & Saving
New vs old regime, ELSS vs PPF under 80C, HRA, F&O — updated for the current financial year.
Retirement & FIRE
The 4% rule adapted for Indian inflation, NPS vs EPF, planning timelines by age.
Loans, Debt & Credit
Prepay vs invest, personal loan payoff strategies, CIBIL improvement, rent vs buy.
Insurance & Emergency
Term vs ULIP, health cover sizing against medical inflation, and emergency fund maths.
Budgeting & Savings
50/30/20 adapted for Indian salaries, SSY vs MF, gold strategies, LRS for investing abroad.