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₹250/day on coffee. ₹600/week on Swiggy. Plug in the number, see what it costs you in 20 years.
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Most-used calculators
See the rupee impact of every choice.
No login. No fluff. Each one shows what the same money would do if invested instead.
Most shared
What's that daily habit costing you?
₹250/day on coffee = ₹75 lakh over 20 years (if invested).
Plan wealth
SIP Calculator (with step-up)
₹10K/month, 12% return, 20 years, 10% step-up = ₹1.99 crore.
Before you borrow
EMI Calculator
Real monthly EMI, total interest, prepayment scenarios.
Audit
Indian 50/30/15/5 Budget
How your spending stacks against the rule that fits India.
Income
FD Maturity Calculator
Maturity value after TDS, not the bank's headline number.
Quick win
Subscription Killer
Every auto-debit, totalled. The number is bigger than you think.
Latest from PaisaExpert
Read these now.
The articles that pay back the most rupees per minute of reading.
Banking & Savings · 9 min read
How much money should you keep in your savings account in India (2026)
Most Indians keep far too much in their savings account, quietly losing ₹13,500 a year on every ₹3 lakh idle balance. Here is the framework, the math, and where the rest should actually go.
Tax · 9 min read
Old vs New tax regime — which one should you actually pick?
The new regime is the default in 2026. But for many salaried Indians with 80C, HRA and home-loan EMIs, the old regime still wins. Here's the test.
Banking & Savings · 5 min read
Highest savings account interest rates in India
SBI, HDFC, ICICI pay 2.7-3% on your savings. AU Small Finance Bank pays 7.25%, Ujjivan 7.5%, with the same DICGC insurance. Here's the honest comparison.
Cards & Loans · 7 min read
Your first credit card, honestly explained
If this is your first credit card, ignore the rewards. Pick one that builds your credit score, doesn't sting you on fees, and is easy to close.
Travel & Spending · 7 min read
How to find consistently cheaper flights from India
Indian travellers leave ₹3,000-8,000 on the table per trip. ITA Matrix, error fares, multi-city tricks — here's the playbook with no affiliate links anywhere.
Household Bills · 6 min read
How to cut your electricity bill by ₹600-1,200 a month
Most Indian households over-pay by 15-25% just because they've never read a bill properly. Here's exactly what to change.
Why we exist
India deserves what MoneySavingExpert is for the UK.
We have affiliate comparison engines, finfluencer hot-takes, and bank RMs working on commission. We do not have a single editorial voice that treats your money decisions with the seriousness they deserve. PaisaExpert is that voice.
Manifesto · 5 min read
Why PaisaExpert exists
Indian personal finance media is split between corporate comparison engines and news headlines. There's no honest, editorially-led friend in the middle. We're building that.
Manifesto · 6 min read
How we research before we publish
The methodology behind every article, calculator and recommendation on PaisaExpert. Read this once. If we ever stray, hold us to it.
Manifesto · 8 min read
The Indian household money script — what you inherited, what to keep, what to update
Three generations of Indian financial advice were optimised for a world that doesn't exist any more. Here's what still works, what doesn't, and what to do about it.
Where do you want to save?
Nine money-life buckets.
Pick the one closest to what is on your mind right now.
Cards & Loans
Best credit cards, cheapest personal loans, education loans, credit-score repair and debt help.
- Best first credit card
- Balance transfer
- Travel cards
Household Bills
Cut your electricity, gas, broadband, DTH, mobile and property-tax bills.
- Electricity savings
- JioFiber vs Airtel vs Excitel
- LPG & Ujjwala
Banking & Savings
Highest-yield savings accounts, FD ladders, PPF, Sukanya Samriddhi and Post Office schemes.
- Best savings rates
- FD laddering
- PPF
Investing
Mutual funds, SIPs, index funds, ELSS, NPS, stocks, IPOs, REITs and SGBs — explained simply.
- SIP basics
- Index vs active
- ELSS
Insurance
Right cover for term life, health, motor and travel — and which insurances aren't worth buying.
- Term life
- Health insurance
- Motor & NCB
Tax
Old vs new regime, HRA, 80C, 80D, capital gains, freelancer tax, ITR filing and TDS refunds.
- Old vs new regime
- HRA exemption
- 80C & 80D
Home & Property
Home loans, stamp duty by state, EMI vs rent, RERA basics, joint loans and tax benefits.
- Home loan guide
- EMI vs rent
- Stamp duty
Travel & Spending
Cheap flights, forex cards, UPI cashback, lounge access and reward maximisation.
- Cheap flights
- Forex cards
- IRCTC tips
Reclaim & Rights
Recover wrong charges, find forgotten money on UDGAM/IEPF, RBI Ombudsman and consumer court.
- RBI Ombudsman
- Consumer court
- UDGAM unclaimed
What you can rely on
Editorial standards, not opinions dressed up as advice.
Primary sources only
We read the RBI circular, the Income-Tax Act, the IRDAI master direction. Every claim has a source.
Re-reviewed regularly
Rate-sensitive articles get a fresh look every month. Strategy pieces every 12 months.
Numbers, not vibes
Every product recommendation runs through a calculator before publish. If the maths fails, the recommendation goes.
Action over information
Every article ends with a 'what to do next' box. Read us and don't change anything, we failed.