FinCal Hub Guides

Financial guides & tax insights

Original, research-backed articles with the actual numbers — no generic listicles.

New Regime is now the default — but is it right for you? Compare slabs, deductions, and break-even points to make an informed choice.

Equity SIPs, Bank FDs, and PPF each serve different roles. Learn how to allocate your monthly savings across these three pillars.

Prepaying saves guaranteed interest; investing aims for higher returns. Learn the decision framework and effective post-tax rate calculation.

EPF, PPF, ELSS, insurance, NSC, home loan principal — navigate the full 80C basket and learn strategic allocation.

Basic, HRA, special allowance, EPF, professional tax, income tax — learn exactly why your take-home salary is lower than your CTC.

Compare NPS (extra ₹50K deduction), PPF (tax-free guaranteed returns), and ELSS (3-year lock-in, equity growth).

Actual HRA, rent paid minus 10% basic, or 50% of basic — which one applies? Learn complete HRA rules and documentation.

12.5% on equity gains above ₹1 lakh, 15% STCG, debt funds taxed at slab rate — learn all capital gains rules and strategies.

The most important investment before any SIP. Learn the right target amount, where to park the money, and common mistakes.

At 36–42% annual interest, credit card debt is the most expensive loan. Learn the minimum payment illusion and escape strategies.