Banking & Savings
Highest-yield savings accounts, FD ladders, PPF, Sukanya Samriddhi and Post Office schemes.
Work out your number first
All calculatorsMost opened
What's That Daily Habit Costing You?
Coffee, Swiggy, OTT, see what they really cost over 10 years.
Most opened
Subscription Killer
List every auto-debit. See the annual damage you didn't notice.
FD Maturity Calculator
Maturity value after TDS, not the bank's headline number.
FD Laddering Builder
Build a 12-month FD ladder for steady liquidity + best rates.
Latest in Banking & Savings
8 min read · Updated 2026-05-01
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.
8 min read · Updated 2026-06-30
Highest savings account interest rates in India (2026)
SBI, HDFC and ICICI pay about 2.7 to 3% on your savings. Small finance banks like AU, Equitas and Ujjivan advertise up to 7.5%, with the same RBI-backed DICGC insurance. Here is the honest comparison.
9 min read · Updated 2026-06-01
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.
8 min read · Updated 2026-06-07
PPF account: the complete guide to rules, returns and the 15-year math
PPF gives you 7.1 percent, fully tax-free, backed by the government. Here is how the account actually works, the deposit-date trick, and who it suits.
7 min read · Updated 2026-06-03
Emergency fund: how much you need and where to keep it
An emergency fund is the foundation everything else stands on. Here is how much to hold, where to park it so it actually earns, and the mistakes to avoid.
6 min read · Updated 2026-05-21
Inflation vs your savings account: why cash quietly melts
Money in a savings account is not safe. It is slowly melting, you just cannot see it. Here is how inflation eats your idle cash, and what to do.
6 min read · Updated 2026-05-20
50/30/20 rule in India: why 50-30-15-5 fits better
The classic 50-30-20 budget breaks when a quarter of your income is EMI. Here is a version that fits how Indian households actually earn and spend.
8 min read · Updated 2026-06-24
Sukanya Samriddhi Yojana: rules, returns, and is it worth it
Sukanya Samriddhi pays 8.2 percent, fully tax-free, backed by the government, for a daughter's future. Here is how it works, the deposit-date trick, and who it suits.
8 min read · Updated 2026-08-21
How to withdraw your PF online, and when you should not
The full online process, the documents that actually matter, why claims get rejected, and the tax rule that catches people who withdraw early.
6 min read · Updated 2026-08-21
UPI limits and charges: what you can actually send, and what it costs
Daily caps, per-transaction limits, the higher limits for specific categories, and the one place UPI genuinely does cost you money.
7 min read · Updated 2026-08-26
What to do with your first salary in India
The first few months set habits that last a decade. Here is the order that actually matters, and the three things you can safely ignore for now.
7 min read · Updated 2026-09-26
How to save money on a ₹25,000 salary in India
A real monthly budget for a ₹25,000 salary, whether you live at home or pay rent, and the order to save in: a small buffer first, then a SIP.
Topics we cover in Banking & Savings
Best savings rates
The full guide on Best savings rates is being written. Get it the moment it lands.
FD laddering
The full guide on FD laddering is being written. Get it the moment it lands.
PPF
- PPF account: the complete guide to rules, returns and the 15-year math →
PPF gives you 7.1 percent, fully tax-free, backed by the government. Here is how the account actually works, the deposit-date trick, and who it suits.
Sukanya Samriddhi
- Sukanya Samriddhi Yojana: rules, returns, and is it worth it →
Sukanya Samriddhi pays 8.2 percent, fully tax-free, backed by the government, for a daughter's future. Here is how it works, the deposit-date trick, and who it suits.
Senior Citizen Savings
The full guide on Senior Citizen Savings is being written. Get it the moment it lands.
Digital vs traditional banks
The full guide on Digital vs traditional banks is being written. Get it the moment it lands.