Free personal finance guide
Your EMI shouldn't decide your life.
See what you can actually afford, build a cushion around it, and make choices without the debt calling the shots.
Grounded in Indian rules. Numbers figured by code, not guessed.
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If your income stopped today, this is how long you would last.
₹30,000 in EMIs leaves every month, working or not. One setback away from more borrowing.
The traps we help you out of
Money problems are rarely about the math.
They are about the corner you feel stuck in. Here is how a clear number gets you out.
The EMI trap
The job turned toxic, but the EMI does not pause. So you stay.
We show your committed outflow and the runway you have, so the loan stops making your decisions.
Target reserve · 3 to 6 months of committed outflow
- Stable salaried income: cover 3 to 6 months of committed monthly outflow.
- Covers essential expenses plus your loan EMIs, which stay due even if your income stops.
- Keep it in a liquid, low-risk place you can access quickly (not locked in).
Paying only the minimum · about 20.8 yrs
- Card APR assumed at 42% a year (3.5% a month), with a minimum due of 5% of the balance or ₹200, whichever is higher.
- The minimum-only path shrinks as the balance falls, which is why it drags on. The steady path pays a constant ₹15,000 a month.
- Assumes no new spending on the card. Any fresh purchase resets the trap.
The minimum-payment trap
Paying the card minimum feels responsible. It quietly keeps you in debt for twenty years.
We show the real months and interest the minimum costs you, and how fast a steady payment clears it.
Approved for more than you can carry
The bank sanctioned a bigger loan than your salary can really hold.
We check the EMI against your take-home, so you borrow what fits your life, not the bank's limit.
Monthly EMI · 20 yrs at 8.5%
- EMI on ₹60,00,000 at 8.5% for 20 years, interest compounded monthly on the reducing balance.
- Affordability uses the common lender guideline that all loan EMIs together stay within 40% of take-home pay. Count your other EMIs too.
- A fixed rate is assumed. A floating rate changes the EMI or the tenure when rates move.
Over 12 yrs, by net cost
- Compared over 12 years. Buying assumes 20% down, 8.5% loan over 20 years, 1.0% a year upkeep and tax, 7.000000000000001% one-time stamp and registration, and 5% home appreciation.
- Renting assumes 35,000 a month rising 7.000000000000001% a year, with the down payment and buying costs kept invested at 10%.
- Net cost = money spent minus what you get back (home equity for buying, investment growth for renting). It ignores the monthly cash-flow difference and the value of flexibility, so treat it as a guide, not a verdict.
Buy now or miss out
Everyone says rent is money down the drain. So you rush to buy.
We compare the real net cost of renting and buying over your horizon, so the choice is yours, not the pressure's.
Paying tax you needn't
Old regime or new? Most people pick blind and overpay.
We compute both on your numbers, home-loan interest included, and tell you which wins.
The new regime fits you better
- Uses the latest slabs in Ruhu's deterministic tax engine. Confirm current-year figures on incometax.gov.in.
- Home-loan interest of ₹2,00,000 is set off under the old regime up to ₹2L (Section 24b, self-occupied) and not at all under the new regime.
- Only the inputs you gave are considered. A fuller picture may change the answer.
In tax · set basic to 50% of CTC (old regime)
The tax falls, but about ₹3,824/month less reaches your account: it goes into your EPF instead, which is still your money. You keep ₹11,737 more of your CTC a year overall.
- Optimises the OLD regime, where salary structure changes tax. Under the new regime HRA and 80C do not apply, so structuring has little effect there. Compare regimes separately to pick the better one overall.
- Assumes HRA is set at the metro/non-metro share of basic, employer and employee PF at 12% of basic, and gratuity at 4.81% of basic. Real structures are constrained by your employer's flexi-benefit rules.
- A higher basic can lower tax but locks more into EPF, so take-home cash may dip even as total money kept (cash plus your PF) rises. Confirm current-year limits and your exact structure with HR.
Leaving tax on the table
Basic pay and a big taxable allowance, and that is it. A better split quietly costs you nothing to fix.
We find the basic share that uses your HRA and 80C best under the old regime, and show what it saves.
The goal that feels far away
A home, a child's education, retirement. No plan, just a low hum of worry.
We turn the goal into one monthly number you can start this month.
Invest per month · to reach ₹50,00,000 in 15 yrs
- To reach 5000000 in 15 years at an assumed 12% annual return.
- Returns are assumed for illustration only and are not guaranteed. Step up the amount yearly if you can.
Advice you can trust
No products sold. No numbers invented.
Product neutral
We never push a fund, stock, or policy.
Figured by code
The math runs deterministically, not from a guess.
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