Guides & Explainers
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Money made simple
for Indian earners
No jargon, no filler — just plain explanations of EMI, SIP, income tax, and more, with real numbers and direct links to the calculators you need.
Featured guides
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Banking
NEFT vs RTGS vs IMPS: Which One Should You Use?
Sending money and not sure which transfer method to pick? Here's how NEFT, RTGS, and IMPS actually differ, and which one fits your situation.
Banking
What Is CIBIL Score? Full Guide to Credit Score & How to Improve It
A good CIBIL score gets you cheaper loans; a poor one gets you rejected. Here's exactly what shapes your score and how to raise it steadily.
Banking
What Is UPI? Full Guide to Unified Payments Interface
UPI has quietly become how most of India pays for everything. Here's exactly how it works, its limits, whether it's free, and how to avoid the most common scams.
Insurance
Term Insurance vs Endowment Plan: What's the Real Difference?
Same premium, very different cover. Here's why term insurance protects your family better, and when an endowment plan still makes sense.
Latest articles
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Loans
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Loans
What Is EMI? A Plain-English Explanation
EMI is the fixed amount you pay your bank every month to repay a loan. We break down the formula, the math, and what's really happening each month.
Loans
The EMI Formula Explained (With Examples)
The official EMI formula looks intimidating. We walk through it step by step with real numbers so you always know what your bank is calculating.
Loans
Flat Rate vs Reducing Balance Interest: Which Costs More?
A 10% flat rate loan actually costs you more than a 15% reducing balance loan in some cases. Here's the comparison with real numbers.
Investing
All Investing guides →
Investing
What Is SIP? How Systematic Investment Plans Work
Rs.5,000 a month invested for 20 years at 12% becomes Rs.49.96 lakh. SIP is how ordinary salaries build extraordinary wealth over time.
Investing
The Power of Compounding: Why Starting Early Matters So Much
Starting a Rs.3,000/month SIP at 25 vs 35 produces a Rs.1.4 crore difference by retirement. Here's the maths behind why time is your most valuable asset.
Investing
SIP vs Lump Sum: Which Is the Better Way to Invest?
Got a bonus or inheritance? Or a steady salary? The right investment style depends on your situation. Here's a clear framework to decide.
Tax
All Tax guides →
Tax
Old vs New Tax Regime: Which One Saves You More?
The new regime has lower rates but fewer deductions. The old regime lets you claim 80C, HRA, and more. Here's the break-even point for your income.
Tax
Section 80C Deductions: Complete Guide
PPF, ELSS, EPF, insurance premium, home loan principal - all qualify under 80C. Here's how to use the full Rs.1.5 lakh limit intelligently.
Tax
HRA Tax Exemption: How to Calculate What You Can Claim
HRA exemption depends on three factors - your HRA component, your rent, and whether you're in a metro. Here's how to find the correct claimable amount.
Savings
All Savings guides →
Savings
FD vs PPF: Which Is Better for Long-Term Savings?
An FD at 7.5% vs a PPF at 7.1% - after tax, PPF wins every time for taxpayers in the 20-30% bracket. Here's the full breakdown.
Savings
RD vs FD: Which Is Better for Your Savings Goal?
Have a lump sum or a monthly income to save? Here's how a recurring deposit and a fixed deposit compare, and when each one makes more sense.
Savings
PPF vs EPF: Which Builds a Bigger Retirement Corpus?
Your EPF happens automatically through payroll - so what does PPF add on top? Here's how the two actually differ and work together.
Banking
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Banking
Savings Account vs Fixed Deposit: Where Should Your Money Sit?
A savings account gives you instant access. A fixed deposit gives you a better rate. Here's how to split your money between the two.
Banking
NEFT vs RTGS vs IMPS: Which One Should You Use?
Sending money and not sure which transfer method to pick? Here's how NEFT, RTGS, and IMPS actually differ, and which one fits your situation.
Banking
What Is CIBIL Score? Full Guide to Credit Score & How to Improve It
A good CIBIL score gets you cheaper loans; a poor one gets you rejected. Here's exactly what shapes your score and how to raise it steadily.
Insurance
All Insurance guides →
Insurance
Term Insurance vs Endowment Plan: What's the Real Difference?
Same premium, very different cover. Here's why term insurance protects your family better, and when an endowment plan still makes sense.
Insurance
What Is Health Insurance? A Complete Guide
A single hospitalisation without insurance can undo years of savings. Here's exactly how health insurance works and which plan type fits your family.
Insurance
Third-Party vs Comprehensive Car Insurance: Which Do You Need?
Third-party covers the other person's car - not yours. Here's what comprehensive insurance actually adds, and when it's worth the extra premium.
Retirement
All Retirement guides →
Retirement
Retirement Planning in India: How Much Is Actually Enough?
If you spend Rs.60,000/month today, you'll need a retirement corpus of Rs.3-4 crore. Here's the step-by-step plan to build it.
Retirement
Gratuity Calculation Formula: How Much Will You Actually Get?
Gratuity isn't a flat percentage of your salary - it depends on a specific formula, your years of service, and whether your employer is covered under the Act.
Retirement
NPS vs EPF vs PPF: Which Retirement Option Wins?
Your EPF deducts itself, your PPF is your choice, and NPS is the only one with equity exposure. Here's how the three actually work together, not against each other.
Every guide on ClariMoney is written to be easy to follow, using simple language and real numbers instead of jargon. We go back and update articles whenever something changes. See how we write our guides →