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12 results for "term life"
Calculator · Live
Term Life Cover Calculator
Human-life-value method, the right number, not the salesman's pitch.
Section
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.
Article · Investing
Intraday trading versus long-term investing: what the data says
SEBI has published what happens to individual traders in India. The numbers are unambiguous, and worth reading before you open a trading app.
Article · Earn More
Gratuity calculation in India: the formula and the new rules
Gratuity is 15 days of wages for every year you work, paid when you leave. The formula, who qualifies, the one-year rule for fixed-term staff, and the ₹20 lakh cap.
Calculator · Live
EMI Calculator
Monthly EMI, total interest, prepayment scenarios.
Calculator · Live
Lifestyle Inflation Tracker
Your salary went up. Did your savings rate keep pace?
Calculator · Live
Phone Upgrade Cost Calculator
A new flagship every year. See the lifetime cost of the upgrade habit.