Home Calculators Tricks
01 Investing
Raise your SIP every year
Increase your SIP by 10% each year, even a small step-up changes the final corpus a lot.
Try this week Set a yearly step-up in your SIP
Example ₹10,000 SIP, 10% step-up, 15 years at 12%
Why it works Your savings grow along with your income
02 Loans
Prepay early, not late
Extra EMIs in the first years of a loan save far more interest than the same amount later.
Try this week Pay one extra EMI this year
Example On a 20-year loan, early prepayment can cut years off
Why it works Early payments cut the balance interest is charged on
03 Spending
Use the 24-hour rule
Wait a day before any non-essential purchase above a limit you set.
Try this week Pick your limit, for example ₹5,000
Example Add it to a wish list and look again tomorrow
Why it works Most impulse wants fade overnight
04 Insurance
Buy term, invest the rest
Pure term cover for protection, and separate investing for growth, usually beats mixed policies.
Try this week Compare your policy return with the policy calculator
Example Check the real return of an endowment plan
Why it works Each product does one job well
05 Habit
Automate everything
Standing instructions for SIP, insurance and bills remove forgetting and late fees.
Try this week Automate your three biggest bills
Example SIP, insurance premium, credit card
Why it works Good habits that need no willpower
06 Mindset
Know your hourly value
Divide your yearly pay by the hours you actually work. Use it to judge chores and purchases.
Try this week Use the Your Time Value per Hour calculator
Example ₹6 lakh a year is about ₹326 an hour
Why it works Prices feel different in hours of work
A trick that helps most people may not suit your situation. Use your judgement.
Run the numbers Try the calculators to see what these ideas mean for your money.
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