TOOLS

Tools

A free budget calculator and the fund databases. Every assumption is stated on the page, every figure is dated to its source, and none of it is a buy or sell call.

Calculator

CALCULATORBudget ToolWhere a monthly income actually goes, split across needs, wants and savings, with a count for supported parents, a box for rent and a line for a committed EMI. Built for Indian incomes rather than translated from an American rule of thumb.

Worked Examples

WORKED EXAMPLEBudget for a 40,000 SalaryWhat a 40,000 monthly take-home splits into, worked in rupees, with the needs band checked against what urban India actually spends rather than against the rule alone.WORKED EXAMPLEBudget for a 1 Lakh SalaryThe same split on a 1,00,000 take-home, where the needs band stops being the binding constraint and what happens to the savings share becomes the real question.WORKED EXAMPLEBudget for a 2 Lakh SalaryThe same split on a 2,00,000 take-home, where a proportional rule makes two errors out of one assumption and they run in opposite directions.WORKED EXAMPLEBudget for a 5 Lakh Plus SalaryThe same split on a 5,00,000 take-home, the one page in this set whose target is a band rather than a figure, where dividing the month stops being the hard part and the savings line runs to 12,00,000 a year.WORKED EXAMPLEWhen One Salary Supports ParentsOne income, more than one household. What the split actually does when a salary carries parents too, worked through on 75,000 a month and tied to dated survey figures.

Databases

DATABASEMutual Fund RecordsScheme by scheme, with the plans and options that actually trade, the expense ratios by plan and the risk class, each dated to its source.TRACKERNew Fund OffersWhich new fund offers are open or closing, refreshed daily, with the calm reading of what each one is and what it is not.

Every fact, dated and sourced. No buy or sell call.