Learn the maths behind your money

Short explainers with worked examples. Every number is computed by the same engine FinPlan uses for your own finances — not a hand-typed figure that can drift out of date.

Investing·4 min

How SIPs actually compound

Why a fixed monthly investment grows, and how much of it is returns rather than your own money.

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Borrowing·5 min

How loan EMIs are priced

Why early instalments are mostly interest, and why prepaying early saves far more than prepaying late.

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Tax·7 min

Capital gains on mutual funds, after Budget 2024

What changed on 23 July 2024, how FIFO decides which units you sold, and why one financial year can use two different rates.

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Borrowing·6 min

How an overdraft home loan actually saves interest

Parking money against the loan cuts the balance you are charged on — without locking the money away.

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Tax·6 min

New vs old tax regime, worked out

The slabs, the rebate, and a complete before-and-after for a salaried earner with a home loan.

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The “show your work” difference

Most finance blogs paste a number and hope it's right. These guides pull their worked examples straight from the same tax, SIP and EMI functions the app uses — so if a slab or a formula changes, the guide changes with it, and the numbers here always match what you'd see inside FinPlan.