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Term Life Cover Calculator

Human-life-value method, the right number, not the salesman's pitch.

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Insurance

Right cover for term life, health, motor and travel, and which insurances aren't worth buying.

Article · Insurance

How much term-life cover do you actually need?

Most agents will quote you 10× your salary. The honest number is usually 15-20×, and the 'human life value' method is the only one that holds up.

Article · Insurance

Term insurance vs ULIP: why mixing the two costs you

ULIPs and endowment plans bundle insurance with investment, and do both badly. Here is the honest case for keeping protection and investing separate.

Article · Tax

Capital gains tax on stocks and mutual funds in India (2026)

After the 2024 changes, equity is taxed at 20 percent short-term and 12.5 percent long-term above ₹1.25 lakh. Here is the full picture across stocks, funds and gold.

Article · Investing

Lifestyle inflation: why your raise vanishes every year

Your income keeps rising and your savings rate does not. That gap is lifestyle inflation, and it quietly decides whether you ever get wealthy.

Article · Insurance

Critical illness vs personal accident cover: who needs it

Critical illness pays a lump sum when you are diagnosed with a listed illness. Personal accident covers death and disability from accidents. Here is who genuinely needs each, who is being upsold, and how they differ from health and term insurance.

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EMI Calculator

Monthly EMI, total interest, prepayment scenarios.

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Lifestyle Inflation Tracker

Your salary went up. Did your savings rate keep pace?

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Phone Upgrade Cost Calculator

A new flagship every year. See the lifetime cost of the upgrade habit.