TaxAffects some
Freelancers and small businesses: ITR-3 and ITR-4 are due 31 August
The non-audit deadline for self-employed professionals and anyone on the presumptive scheme is 31 August. After that it is a belated return with a fee.
India's most transparent money platform
Your income is not your ceiling.
We started PaisaExpert because personal finance in India is usually a sales pitch or a lecture. So we built what we could not find: honest, free tools that show you how to earn more money, where your spending leaks, and what your savings, loans and investments really cost. Built for a new India that knows its money.
✓ Independent✓ Free forever✓ Every paid link labelled
Earn more · leak less
Earnwise
Specific, proven ways to earn more, matched to your skills and time, plus your money persona.
Build my plan →
12 questions · 3 min
Money Health Check
Score your money out of 100 and get a top-3 action plan. Private, free, and yours to keep.
Take the check →
₹75 lakhis what a ₹250/day habit becomes in 20 years, invested. Try your number
Your free Money Health Report
Personalised insights. Hidden charges. Schemes you missed.
Sent when there is something worth saying. One-click unsubscribe. Free for life.
Earn more. Keep more.
Money facts from PaisaExpert tools: ₹250/day of chai + auto = ₹75 lakh in 20 years, invested. Regular vs Direct mutual funds: the ~1% fee gap can cost ₹15–20 lakh over 20 years. Big banks pay ~2.7% on savings. Small finance banks: up to ~7.5%, same ₹5 lakh insurance. Carrying a credit card balance costs ~42% a year. A 10% yearly step-up SIP nearly doubles your 20-year corpus. Switching jobs in India typically pays 20–40% more than waiting for a raise. India has ₹78,000+ crore in unclaimed deposits. Some of it may be your family's
This week's money move · new every Monday
Check if your term cover is actually enough
Agents quote 10× your salary. The honest number is usually 15–20×. Two minutes to know your real gap.
Want one every day? See your money today: the daily move, upcoming deadlines and today's rates.
Earnwise · earn more
Everyone shows you how to save. We show you how to earn more.
Answer a few honest questions and get a personalised plan: specific, proven ways to earn extra income based on your own skills and time, plus the money you are quietly leaking. Free, private, no jargon.
Build my earning plan →Example result
₹15,000–₹40,000
a month, from real paths matched to your skills, with the exact first step for each.
Plus your money persona 🐯. Find out which one you are.
Popular calculators
See the rupee impact of any choice
No fluff, just honest maths. Each one shows what the same money would do if invested instead.
Money habit calculators
What your daily habits really cost
Honest tools that put a real rupee number on everyday habits. No guilt, just the maths. The kind of numbers you screenshot and send to a friend.
Money news
What changed, and what it costs you
Every item says what it does to your money in rupees, with the calculator already loaded.
Cards & LoansAffects some
Credit card interest gets slightly less punishing
Under revised RBI directions, unpaid fees, penalties and taxes can no longer be compounded into your finance charges. It reduces the cost of carrying a balance.
InvestingAffects some
The EPF Scheme 2026 caps mandatory contributions at 1,800 rupees a month
The new framework under the Code on Social Security took effect on 1 July. The 12 percent rate stays, but the mandatory base is capped.
Latest articles
Worth reading this week
The articles that pay back the most rupees per minute of reading.
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.
Browse by topic
What's on your mind?
Pick the one closest to what is on your mind right now.
Earn More
Side income, freelancing, online earning and salary growth, with realistic numbers and no get-rich hype.
- Earn money online
- Side income ideas
- Freelancing
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
Why trust us
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.