Home › Blog

The Money Blog

165 practical guides on budgeting, saving, EMIs, SIPs and everyday money — from Sharpen Solutions, makers of Expense Tracker: Income Manager.
Salary & Budget Plans1 guides Loans & EMI18 guides SIP & Investing17 guides FD & Safe Savings17 guides Savings Goals31 guides City Budgets30 guides Cut Your Bills16 guides Budgeting Basics1 guides Smart Tracking1 guides Splitting & Groups1 guides Money Questions16 guides Finance Glossary16 guides

Latest guides

Splitting Money With Friends, Flatmates and TripsOffline Expense Tracking: Privacy, Setup and BackupsBudgeting Methods That Actually WorkHow to Budget Any Salary in India: the 50/30/20 PlanHow to Save ₹1,50,000 in 3 Months — A Realistic PlanCost of Living in Amritsar for a Single Person (2026)How to Save ₹1,00,000 in 24 Months — A Realistic PlanCost of Living in Kanpur for a Single Person (2026)How to Save ₹1,00,000 in 18 Months — A Realistic PlanCost of Living in Varanasi for a Single Person (2026)How to Save ₹1,00,000 in 12 Months — A Realistic PlanCost of Living in Agra for a Single Person (2026)How to Save ₹1,00,000 in 9 Months — A Realistic PlanCost of Living in Rajkot for a Single Person (2026)How to Save ₹1,00,000 in 6 Months — A Realistic PlanCost of Living in Nashik for a Single Person (2026)How to Save ₹1,00,000 in 3 Months — A Realistic PlanCost of Living in Ludhiana for a Single Person (2026)How to Save ₹75,000 in 24 Months — A Realistic PlanCost of Living in Vadodara for a Single Person (2026)How to Save ₹75,000 in 18 Months — A Realistic PlanCost of Living in Visakhapatnam for a Single Person (2026)How to Save ₹75,000 in 12 Months — A Realistic PlanCost of Living in Coimbatore for a Single Person (2026)How to Save ₹75,000 in 9 Months — A Realistic PlanCost of Living in Gurgaon for a Single Person (2026)How to Save ₹75,000 in 6 Months — A Realistic PlanCost of Living in Noida for a Single Person (2026)How to Save ₹75,000 in 3 Months — A Realistic PlanCost of Living in Patna for a Single Person (2026)

All guides by topic

Salary & Budget Plans

How to Budget Any Salary in India: the 50/30/20 Plan

Loans & EMI

Home Loan EMI in India: Prepayment, Tax, Joint Loans & Balance Transfer₹5 lakh Home Loan EMI for 10 Years — Monthly Payment & Total Interest₹5 lakh Home Loan EMI for 15 Years — Monthly Payment & Total Interest₹5 lakh Home Loan EMI for 20 Years — Monthly Payment & Total Interest₹10 lakh Home Loan EMI for 15 Years — Monthly Payment & Total Interest₹10 lakh Home Loan EMI for 20 Years — Monthly Payment & Total Interest₹20 lakh Home Loan EMI for 15 Years — Monthly Payment & Total Interest₹20 lakh Home Loan EMI for 20 Years — Monthly Payment & Total Interest₹25 lakh Home Loan EMI for 20 Years — Monthly Payment & Total Interest₹30 lakh Home Loan EMI for 20 Years — Monthly Payment & Total Interest₹40 lakh Home Loan EMI for 20 Years — Monthly Payment & Total Interest₹50 lakh Home Loan EMI for 20 Years — Monthly Payment & Total Interest₹50 lakh Home Loan EMI for 25 Years — Monthly Payment & Total Interest₹75 lakh Home Loan EMI for 20 Years — Monthly Payment & Total Interest₹1 crore Home Loan EMI for 20 Years — Monthly Payment & Total Interest₹3 lakh Car Loan EMI for 5 Years — Monthly Payment & Total Interest₹3 lakh Car Loan EMI for 7 Years — Monthly Payment & Total Interest₹5 lakh Car Loan EMI for 5 Years — Monthly Payment & Total Interest

SIP & Investing

₹500 SIP for 3 Years — How Much Will You Get?₹500 SIP for 5 Years — How Much Will You Get?₹500 SIP for 10 Years — How Much Will You Get?₹500 SIP for 15 Years — How Much Will You Get?₹500 SIP for 20 Years — How Much Will You Get?₹500 SIP for 25 Years — How Much Will You Get?₹1,000 SIP for 3 Years — How Much Will You Get?₹1,000 SIP for 5 Years — How Much Will You Get?₹1,000 SIP for 10 Years — How Much Will You Get?₹1,000 SIP for 15 Years — How Much Will You Get?₹1,000 SIP for 20 Years — How Much Will You Get?₹1,000 SIP for 25 Years — How Much Will You Get?₹1,500 SIP for 3 Years — How Much Will You Get?₹1,500 SIP for 5 Years — How Much Will You Get?₹1,500 SIP for 10 Years — How Much Will You Get?₹1,500 SIP for 15 Years — How Much Will You Get?₹1,500 SIP for 20 Years — How Much Will You Get?

FD & Safe Savings

₹25,000 Fixed Deposit for 1 Year — Maturity Value Table₹25,000 Fixed Deposit for 2 Years — Maturity Value Table₹25,000 Fixed Deposit for 3 Years — Maturity Value Table₹25,000 Fixed Deposit for 5 Years — Maturity Value Table₹25,000 Fixed Deposit for 7 Years — Maturity Value Table₹25,000 Fixed Deposit for 10 Years — Maturity Value Table₹50,000 Fixed Deposit for 1 Year — Maturity Value Table₹50,000 Fixed Deposit for 2 Years — Maturity Value Table₹50,000 Fixed Deposit for 3 Years — Maturity Value Table₹50,000 Fixed Deposit for 5 Years — Maturity Value Table₹50,000 Fixed Deposit for 7 Years — Maturity Value Table₹50,000 Fixed Deposit for 10 Years — Maturity Value Table₹1,00,000 Fixed Deposit for 1 Year — Maturity Value Table₹1,00,000 Fixed Deposit for 2 Years — Maturity Value Table₹1,00,000 Fixed Deposit for 3 Years — Maturity Value Table₹1,00,000 Fixed Deposit for 5 Years — Maturity Value Table₹1,00,000 Fixed Deposit for 7 Years — Maturity Value Table

Savings Goals

How to Save ₹10,000 in 3 Months — A Realistic PlanHow to Save ₹10,000 in 6 Months — A Realistic PlanHow to Save ₹10,000 in 9 Months — A Realistic PlanHow to Save ₹10,000 in 12 Months — A Realistic PlanHow to Save ₹10,000 in 18 Months — A Realistic PlanHow to Save ₹10,000 in 24 Months — A Realistic PlanHow to Save ₹25,000 in 3 Months — A Realistic PlanHow to Save ₹25,000 in 6 Months — A Realistic PlanHow to Save ₹25,000 in 9 Months — A Realistic PlanHow to Save ₹25,000 in 12 Months — A Realistic PlanHow to Save ₹25,000 in 18 Months — A Realistic PlanHow to Save ₹25,000 in 24 Months — A Realistic PlanHow to Save ₹50,000 in 3 Months — A Realistic PlanHow to Save ₹50,000 in 6 Months: ₹8,334 a Month PlanHow to Save ₹50,000 in 9 Months — A Realistic PlanHow to Save ₹50,000 in 12 Months — A Realistic PlanHow to Save ₹50,000 in 18 Months — A Realistic PlanHow to Save ₹50,000 in 24 Months — A Realistic PlanHow to Save ₹75,000 in 3 Months — A Realistic PlanHow to Save ₹75,000 in 6 Months — A Realistic PlanHow to Save ₹75,000 in 9 Months — A Realistic PlanHow to Save ₹75,000 in 12 Months — A Realistic PlanHow to Save ₹75,000 in 18 Months — A Realistic PlanHow to Save ₹75,000 in 24 Months — A Realistic PlanHow to Save ₹1,00,000 in 3 Months — A Realistic PlanHow to Save ₹1,00,000 in 6 Months — A Realistic PlanHow to Save ₹1,00,000 in 9 Months — A Realistic PlanHow to Save ₹1,00,000 in 12 Months — A Realistic PlanHow to Save ₹1,00,000 in 18 Months — A Realistic PlanHow to Save ₹1,00,000 in 24 Months — A Realistic PlanHow to Save ₹1,50,000 in 3 Months — A Realistic Plan

City Budgets

Cost of Living in Mumbai for a Single Person (2026)Cost of Living in Delhi for a Single Person (2026)Cost of Living in Bengaluru for a Single Person (2026)Cost of Living in Hyderabad for a Single Person (2026)Cost of Living in Chennai for a Single Person (2026)Cost of Living in Kolkata for a Single Person (2026)Cost of Living in Pune for a Single Person (2026)Cost of Living in Ahmedabad for a Single Person (2026)Cost of Living in Jaipur for a Single Person (2026)Cost of Living in Lucknow for a Single Person (2026)Cost of Living in Chandigarh for a Single Person (2026)Cost of Living in Indore for a Single Person (2026)Cost of Living in Kochi for a Single Person (2026)Cost of Living in Goa for a Single Person (2026)Cost of Living in Surat for a Single Person (2026)Cost of Living in Nagpur for a Single Person (2026)Cost of Living in Bhopal for a Single Person (2026)Cost of Living in Patna for a Single Person (2026)Cost of Living in Noida for a Single Person (2026)Cost of Living in Gurgaon for a Single Person (2026)Cost of Living in Coimbatore for a Single Person (2026)Cost of Living in Visakhapatnam for a Single Person (2026)Cost of Living in Vadodara for a Single Person (2026)Cost of Living in Ludhiana for a Single Person (2026)Cost of Living in Nashik for a Single Person (2026)Cost of Living in Rajkot for a Single Person (2026)Cost of Living in Agra for a Single Person (2026)Cost of Living in Varanasi for a Single Person (2026)Cost of Living in Kanpur for a Single Person (2026)Cost of Living in Amritsar for a Single Person (2026)

Cut Your Bills

How to Cut Your Groceries Bill: Practical Ways That Actually WorkHow to Cut Your Food Delivery Bill: Practical Ways That Actually WorkHow to Cut Your Electricity Bill: Practical Ways That Actually WorkHow to Cut Your Fuel & Commute Bill: Practical Ways That Actually WorkHow to Cut Your Mobile & Internet Bill: Practical Ways That Actually WorkHow to Cut Your OTT Subscriptions Bill: Practical Ways That Actually WorkHow to Cut Your Shopping Bill: Practical Ways That Actually WorkHow to Cut Your Eating Out Bill: Practical Ways That Actually WorkHow to Cut Your Credit Card Charges Bill: Practical Ways That Actually WorkHow to Cut Your Insurance Premiums Bill: Practical Ways That Actually WorkHow to Cut Your Gym & Fitness Bill: Practical Ways That Actually WorkHow to Cut Your Travel Bill: Practical Ways That Actually WorkHow to Cut Your Coffee & Snacks Bill: Practical Ways That Actually WorkHow to Cut Your Gadgets Bill: Practical Ways That Actually WorkHow to Cut Your Rent Bill: Practical Ways That Actually WorkHow to Cut Your Water & Gas Bill: Practical Ways That Actually Work

Budgeting Basics

Budgeting Methods That Actually Work

Smart Tracking

Offline Expense Tracking: Privacy, Setup and Backups

Splitting & Groups

Splitting Money With Friends, Flatmates and Trips

Money Questions

What Is a Good Savings Rate in India?How Much Emergency Fund Do I Really Need?How Much Rent Can I Afford?What Percentage of Salary Should Go to Food?Is the 50/30/20 Rule Right for Indian Salaries?How Much Should I Spend on a Phone?How Much Car Can I Afford?Should I Pay Off Debt or Invest First?What Is a Sinking Fund and Do I Need One?How Often Should I Review My Budget?Why Does My Salary Disappear by the 20th?Is It Bad to Use Credit Cards for Everything?How Much Should I Keep in My Savings Account?What Is Lifestyle Inflation?How Do I Stop Impulse Buying Online?Are Budgeting Apps Safe to Use?

Finance Glossary

What Is a Budget? Meaning, Example & Why It MattersWhat Is a Net Worth? Meaning, Example & Why It MattersWhat Is a Cash Flow? Meaning, Example & Why It MattersWhat Is a Savings Rate? Meaning, Example & Why It MattersWhat Is a Emergency Fund? Meaning, Example & Why It MattersWhat Is a Sinking Fund? Meaning, Example & Why It MattersFixed Expenses: Definition, Examples & How to Cut ThemWhat Is a Variable Expense? Meaning, Example & Why It MattersWhat Is a Discretionary Expense? Meaning, Example & Why It MattersWhat Is a Burn Rate? Meaning, Example & Why It MattersWhat Is a Runway? Meaning, Example & Why It MattersWhat Is EMI? Meaning, Example & Why It MattersWhat Is a Principal? Meaning, Example & Why It MattersWhat Is a Compound Interest? Meaning, Example & Why It MattersWhat Is SIP? Meaning, Example & Why It MattersWhat Is a Mutual Fund? Meaning, Example & Why It Matters