A new story every 15 days
Money Stories
One real-life money decision, followed for decades with real numbers. Each story comes with a calculator, so you can swap in your own salary and see how your story ends.
No. 4 · Retirement income · New
₹25,000 a month for 25 years, then ₹2.84 lakh a month: can a SIP + SWP income last for ever?
Withdraw 8% a year from a fund earning 12% and the money never runs out, on paper. When that works, when a crash or inflation breaks it, and a sturdier plan.
22 October 2026 · 9 min read · Calculator inside
No. 3 · Tax
₹25 lakh plus ₹25,000 a month for 25 years: ₹2.11 crore from FDs, ₹7.61 crore from a mutual fund, after all tax
FD interest is taxed every year; fund gains only when you sell. 25 years of saving, ₹1.25 lakh harvesting every year, then a ₹1 lakh monthly SWP vs FD interest.
22 October 2026 · 16 min read · Calculator inside
No. 2 · Home & property
Buy a ₹80 lakh flat or rent and invest the difference? ₹2.36 crore vs ₹4.28 crore in 20 years
The down payment as a lump sum, the EMI gap as a SIP, and the year rent overtakes the EMI. Try it with your own flat.
20 October 2026 · 9 min read · Calculator inside
No. 1 · Salary & PF
PF vs Mutual Fund: ₹3.66 crore or ₹5.46 crore? What really happens if you skip EPF for SIPs
A first job, a Form 11 and a choice. Plus the 8.33% of your employer's contribution that never reaches your PF account.
20 October 2026 · 8 min read · Calculator inside
Coming next
1 November 2026
₹5,000 at 25 or ₹15,000 at 35: what does waiting ten years really cost?
16 November 2026
The ₹40 lakh question: prepay the home loan or keep the SIP going?
1 December 2026
Your child's college in 2042: what will it cost, and how much a month gets you there?