Learn: money, explained properly
Our calculators give you the answer. These guides show you why — the mechanics, the history, and the maths underneath the numbers, worked through in full with real figures. Every guide has the matching calculator embedded in the middle, so you can switch from reading to running your own numbers without leaving the page.
Start with the big ideas
How growth on growth actually works, the Rule of 72, and why starting at 25 beats saving double at 35.
What a 1% fund fee really costs over 30 years — about a quarter of your wealth — and what you should be paying.
Why you still owe 73% halfway through a 30-year mortgage, and what an extra $200 a month does about it.
Planning retirement
The 1×/3×/6× salary benchmarks by age, the model inside them, and the honest maths of catching up.
Bengen, the Trinity study, and the sequence-of-returns trap that can sink a retirement the averages say is safe.
The equivalence proof nobody shows you, when each account wins, and the contribution-limit twist.
62 vs 67 vs 70, the breakeven ages (78.7, 80.4, 82.5), and the spousal effect that changes the answer.
Around the world
EPFO's monthly running balance method, a fully worked year at 8.25%, and the ₹15,000 ceiling trap.
Raising your SIP with your salary: ₹98.9 lakh flat vs ₹1.97 crore stepped up over 20 years.
Tax relief on the way in vs tax freedom on the way out — worked examples for basic and higher-rate taxpayers.
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Educational content only — not financial advice.