Guides

Short answers to the questions people ask before they open a calculator.

• SIP or lumpsum: which should you use?A SIP buys a little every month. A lumpsum invests the whole sum today. See which fits your cash, then compare both calculators with the same return.
• What is a step-up SIP?A step-up SIP raises the monthly amount every year as your income grows. See what a 10% increase does over 20 years, then try your own figure.
• Old or new tax regime: which saves more?See when old-regime deductions beat the new regime for Tax Year 2026-27 (FY 2026-27, AY 2027-28), then run your salary through the calculator.
• How much of a home loan should you prepay?Prepaying a home loan saves the most interest when you pay early and keep the EMI unchanged. See what a part-payment does, and when to invest the cash instead.