Guides & Tips
Practical, in-depth guides on money, images, PDFs and construction — each one explains the how and why, then links straight to the free tools that do the work for you.
How to Calculate EMI: Formula, Worked Example & Free Calculator
Learn exactly how loan EMI is calculated with the reducing-balance formula, a step-by-step worked example, how tenure and interest affect the total, and how prepayment can save you lakhs.
PPF vs FD vs SIP: Which Is Best for Your Money in 2026?
A clear, practical comparison of PPF, fixed deposits and SIPs — returns, risk, tax, liquidity and lock-in — so you can decide where to put your savings, with free calculators for each.
How to Compress an Image Without Losing Quality
Practical, step-by-step ways to shrink image file size for the web, email or uploads while keeping it looking sharp — resize vs quality, the right format, and a free tool that runs in your browser.
PNG vs JPG vs WebP: Which Image Format Should You Use?
A plain-English guide to the three most common image formats — how they compress, when to use each, their trade-offs in size, quality and transparency, and how to convert between them for free.
How Much Concrete Do I Need? Slab, Beam & Column Guide
Work out exactly how much concrete, cement, sand and aggregate your slab, beam, column or footing needs — the volume formula, the 1.54 dry-volume factor, mix ratios, and a full worked example.
How to Claim HRA Exemption: Rules, Formula & Rent Receipts
HRA is one of the biggest tax breaks for salaried Indians. Learn exactly how the exemption is calculated, the metro rule, the landlord PAN requirement, rent receipts, and the old-vs-new regime catch.
Old vs New Tax Regime: Which Saves You More in 2026?
A clear breakdown of the old and new income-tax regimes — the slab rates, which deductions you lose, the break-even rent and investment levels, and how to decide which one actually costs you less.
How to Merge and Split PDFs Without Uploading Them Anywhere
Combine, split, reorder and shrink PDF files entirely in your browser — no uploads, no watermarks, no sign-up. A practical guide to handling PDFs privately, with free tools for each task.
Rent vs Buy a Home: How to Decide (With the Real Maths)
Should you keep renting or buy a house? A practical framework covering the true cost of ownership, the opportunity cost of a down payment, the break-even horizon, and how to run your own numbers.
Best Image Sizes for Social Media in 2026 (Every Platform)
The right dimensions for Instagram, YouTube, Facebook, LinkedIn, X and WhatsApp — posts, stories, thumbnails and profile pictures — plus how to resize any image to fit without cropping or blur.
How GST Works: Adding, Removing & Calculating It Correctly
Understand GST from the ground up — the slab rates, how to add GST to a price, how to work out the base price from a GST-inclusive amount, CGST/SGST vs IGST, and input tax credit explained simply.
The Power of Compound Interest: Why Starting Early Wins
Compound interest is the most important idea in personal finance. Learn how it works, the formula, the Rule of 72, why time beats the amount you invest, and how small monthly sums grow into large ones.
BMI Explained: What It Means, How to Calculate It & Its Limits
Understand Body Mass Index — the formula, the WHO categories (and the different Asian cut-offs), what BMI does and does not tell you about health, and better metrics to use alongside it.
How to Calculate Percentages: Every Formula With Examples
Master percentages once and for all — finding a percent of a number, percentage increase and decrease, reverse percentages, and percentage difference, each with a clear worked example.
How Gratuity Is Calculated in India: Formula, Eligibility & Tax
Understand gratuity — who qualifies, the exact formula under the Payment of Gratuity Act, how the 15/26 rule works, the tax exemption limit, and a worked example for your final payout.
How Much Do You Need to Retire in India? A Practical Guide
Work out your retirement corpus with the 4% rule, adjust for inflation and a long lifespan, understand the numbers behind a comfortable retirement, and see how monthly investing gets you there.
FD vs RD: Which Fixed-Return Deposit Is Right for You?
Fixed deposits and recurring deposits both offer guaranteed returns, but they suit different situations. Compare how each works, the interest maths, taxation, and when to choose one over the other.
How to Prepay Your Home Loan and Save Lakhs in Interest
Prepaying your home loan is the most powerful way to cut total interest. Learn how prepayment works, whether to reduce the EMI or the tenure, when it makes sense, and how much you can actually save.
How Many Calories Should You Eat to Lose Weight?
Weight loss comes down to a calorie deficit. Learn how to find your maintenance calories, set a safe deficit, why crash diets backfire, and how protein and movement protect your results.
What Is CAGR and How Do You Calculate It?
CAGR is the single best way to compare investment returns over time. Learn what it means, the formula with a worked example, why it beats average returns, and its limitations.
How Much Water Should You Drink a Day? The Real Answer
Forget the rigid "8 glasses" rule. Learn how much water you actually need based on your weight and activity, the signs of dehydration, and how climate and diet change your requirement.
What Is TDS on Salary and How Is It Calculated?
TDS is the tax your employer deducts before paying you. Learn how it works, how it is calculated on salary, how to reduce it with declarations, and how to claim a refund if too much is cut.
Simple vs Compound Interest: The Difference That Costs Lakhs
Simple and compound interest sound similar but produce wildly different results over time. Learn both formulas, see a side-by-side example, and understand where each one shows up in real life.
SIP vs Lumpsum: Which Way to Invest Is Better?
Should you invest a lump sum at once or spread it out through a SIP? Understand rupee-cost averaging, when each approach wins, the role of market timing, and how to decide with your own money.
How to Calculate GPA and CGPA: A Simple Student Guide
Confused by GPA and CGPA? Learn how grade points work, how to calculate a weighted GPA with credits, how to find your CGPA across semesters, and how to convert CGPA to a percentage.
How to Resize a Photo for a Passport or Visa Application
Passport and visa photos have strict size and file rules. Learn the standard dimensions, how to resize and crop without distortion, how to hit a file-size limit, and how to do it privately in your browser.
Is NPS Worth It? Benefits, Drawbacks & Who Should Invest
The National Pension System offers an extra tax deduction and low-cost retirement investing, but it comes with lock-in and annuity rules. Understand how NPS works and whether it fits your plan.