Indian markets, priced in rupees
Everything here has a number attached.
Most investing advice tells you a fee is “significant” or that starting early “helps”. We work it out instead: 1.9% a year costs you ₹51 lakh, and waiting from 25 to 32 costs ₹1.87 crore.
- Articles6
- In-depth guides11
- Free tools7
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Learn to invest
No metaphors about vegetable markets. What each thing is, what it costs, and what it is worth.
- ₹5,000 a month for 20 years is ₹50 lakhYou contribute ₹12 lakh of it. Where the other ₹38 lakh comes from, and what a share actually is — in numbers, not analogies.Read the guide →
- An endowment policy costs ₹31 lakh over 20 yearsAgainst ₹1 crore of term cover and an index fund. What to insure before your first SIP, and how much cover a family actually needs.Read the guide →
- ₹1 crore in 2046 buys what ₹31 lakh buys todayHow much a SIP needs to be for a real goal, and why a 10% yearly step-up does more than any fund choice.Read the guide →
- A regular plan costs ₹11.6 lakh on a ₹10,000 SIPEvery fund comes in two versions that own the same shares. How to tell which one you hold and switch without a tax bill.Read the guide →
- 76% of large-cap funds trailed their index over 10 yearsWhich index to own, and how to choose between funds that hold the same shares: expense ratio, tracking difference, fund or ETF.Read the guide →
- A zero-brokerage trade still costs ₹238Every charge on a ₹1 lakh buy and sell, why small sales are expensive, and how to choose a broker by what you'll actually pay.Read the guide →
- Selling at 11 months instead of 13 costs ₹31,850Tax on shares, funds and crypto for FY 2026-27, the yearly ₹1.25 lakh exemption most investors never use, and what to do for your profession and bracket.Read the guide →
- Profits rose 33%. The shares fell 27%.What a PE ratio actually measures, and how a great company bought at the wrong multiple lost money for five years.Read the guide →
- TCS earns ₹51,800 on each ₹1 lakh. Reliance earns ₹8,910.Reading balance sheets and cash flow statements with real FY26 figures: what the owners' money earns, and whether the profit arrived as cash.Read the guide →
Do the arithmetic yourself
Nothing is stored and nothing is sent anywhere — every figure is worked out in your browser.
- Mutual Fund SIP CalculatorWhat your monthly SIP is worth in 10, 20 and 30 years.Calculate →
- SIP & ETF Periodic ReturnWhat the same money would have done in a different fund.Calculate →
- Compound Interest CalculatorHow much of your final corpus you never actually paid in.Calculate →
- Provident Fund CalculatorWhat your PF will be worth on the day you retire.Calculate →
- Term Insurance Cover CalculatorHow much your family would need if your income stopped tomorrow.Calculate →
- Portfolio Rebalancing ToolWhat to buy and sell to get your allocation back on target.Calculate →
- Portfolio AllocationHow much equity is too much at your age and horizon.Calculate →
Latest writing
Specific companies, specific funds, specific numbers — with the date they were checked.
- Mutual fundsYou Do Not Need a Demat Account to Buy Mutual FundsMutual fund units are recorded against your PAN by the fund house. A demat account is optional, and skipping it costs nothing. How to buy without one.27 September 2026
- IndicesFINNIFTY Weightage: Five Banks Are 62% of the IndexFINNIFTY holds 20 companies, but five banks were 61.89% of it in August 2026. The weights, the capping rules, and what they mean if you own it.27 September 2026
- ThemesData Centre Stocks in India: Who Gets Paid When a Data Centre Is BuiltOne megawatt of data centre costs about ₹60 crore to build in India. Which listed companies get that money, what drives the theme, the risks and what to watch.27 September 2026