Financial Buying Guides
India's biggest financial decisions deserve more than generic tips. Each Tenhash guide packs multiple live calculators, decision frameworks, real cost breakdowns, and expert checklists — all India-specific, all free.
Not Just Articles — Interactive Decision Tools
Every guide embeds live calculators so you enter your actual numbers, not hypothetical ones.
Live Embedded Calculators
Calculators are built into each guide section — enter your budget, get your exact cost breakdown without leaving the page.
India-Specific Numbers
RTO slabs, stamp duty tables, GST on gold, PMAY subsidies, TDS rules — all real, India-specific regulatory figures baked in.
Decision Checklists
Structured frameworks and actionable checklists distilled from expert advice — no generic platitudes, real decision criteria.
100% Private & Free
All calculations run locally in your browser. Zero data sent to any server. No sign-up, no ads, no paywalls — ever.
Make Smarter Big-Ticket Purchases
Cars, homes, and gold are the three largest purchases most Indians make. Don't wing them — model every rupee before you commit.
Car Buying Guide India
A complete playbook for buying a car in India — from understanding the on-road price breakdown to calculating your true 5-year ownership cost and deciding whether to go EV.
- 🧮 On-Road Price Calculator — ex-showroom + RTO + insurance + TCS
- 📊 EMI & Affordability — income-to-EMI ratio, safe loan range
- ⛽ Fuel Cost Tracker — petrol, diesel & EV running cost per km
- 🏆 5-Year Total Cost of Ownership — EMI + fuel + service + insurance
- ⚡ EV vs Petrol Break-even — when does the premium pay off?
- ✅ New vs Used car decision framework & checklist
House Buying Guide India
The most comprehensive home-buying guide for India — covering every cost from stamp duty to interior fit-out, and every decision from affordability to rent-vs-buy.
- 🧮 Transaction Cost Breakdown — stamp duty, registration, TDS, GST, brokerage
- 🏦 Home Loan EMI & Affordability — safe loan amount by income
- ⚖️ Rent vs Buy Analysis — 10-year NPV with appreciation model
- 📈 Long-term Ownership Cost — maintenance, taxes, opportunity cost
- 🏛️ PMAY Subsidy Estimator — EWS / LIG / MIG eligibility
- ✅ Down-payment sizing, due-diligence checklist
Physical Gold Buying Guide
Everything you need to buy physical gold confidently — understand purity, compare bullion vs jewelry vs coins, calculate effective cost per gram, and know the tax implications.
- 🧮 Gold Purity Calculator — 18K, 22K, 24K with live gram price
- 💍 Jewelry Making Charges — flat vs percentage, total effective cost
- ⚖️ Bullion vs Jewelry vs Coins — side-by-side value comparison
- 📐 Weight Converter — grams, troy oz, tola, masha
- 💰 Tax Calculator — STCG & LTCG on physical gold
- ✅ Hallmarking guide & trusted seller checklist
Master the Tools
Learn how every financial calculator works, what it measures, and when to use it.
Mutual Funds Guide India
A complete playbook for mutual fund investors in India: SIP planning, goal mapping, ELSS tax saving, expense ratio impact, direct-vs-regular and portfolio hygiene.
- 📅 SIP, Goal SIP, Lumpsum and SWP calculators
- 🧾 ELSS 80C tax savings and effective cost analysis
- ⚖️ Direct vs regular plan long-term corpus impact
- 📉 Expense ratio drag and return sensitivity
- ✅ Fund selection and review checklist
- ❓ NAV, tax and lock-in FAQs for Indian investors
Life Insurance Guide India
Design the right family protection strategy with data-backed term cover sizing, HLV, policy gap analysis, rider decisions and claim readiness.
- 🧮 Term cover need and HLV calculators
- 📌 Existing policy gap and affordability analysis
- ⚖️ Term vs endowment opportunity-cost calculator
- 🧷 Rider stack efficiency checker
- 🎓 Child-goal protection SIP + corpus planner
- 📄 Claim readiness scoring + family checklist
Child Education Planning Guide India
An exhaustive India-first playbook for school to college planning with future-cost forecasting, SIP corpus design, inflation stress testing, scholarship and education-loan fallback analysis.
- 🧮 Future cost, SIP, SIP+lumpsum and step-up SIP calculators
- 📈 Education inflation low/base/high stress test framework
- 🎯 Goal readiness scoring and annual review checklist
- 🏦 Education loan EMI burden analyzer for fallback planning
- 🌍 Study abroad INR budget and FX sensitivity model
- 📚 Life-stage blueprint from early childhood to admission year
Medical Insurance Guide India
Build a resilient health-insurance stack with real-world clause testing: family floater vs individual, super top-up structure, co-pay burden, room-rent cap risk and claim readiness.
- 🧮 10 calculators for cover need, top-up triggers and renewal stress
- 🏥 Family floater vs individual premium outgo analysis
- 🧾 Room-rent limit and co-pay out-of-pocket estimators
- 🛡️ Corporate + personal continuity cover gap checker
- ✅ Claim readiness and annual governance checklist
- 📈 Long-term premium affordability stress test
Financial Calculators Guide
A plain-English reference for all 50+ Tenhash calculators — what each one calculates, the inputs it needs, the formula driving the output, and real-world use cases.
- 📘 EMI calculators — home loan, car loan, personal loan explained
- 📈 Investment calculators — SIP, lumpsum, CAGR, PPF, NPS
- 🧾 Tax calculators — income tax, capital gains, HRA, NPS deductions
- 🏦 Savings calculators — FD, RD, Recurring vs Lumpsum
- 📋 Formula breakdowns with worked examples for every calculator
- 🎯 Recommended calculator for every common personal finance scenario
More Guides Coming Soon
Next in pipeline: retirement-income, business-finance and tax-optimization guides — each with the same depth, live calculators and India-specific detail.
Frequently Asked Questions
Don't Make a Lakh-Rupee Decision Without Calculating First
Pick the guide that matches your next big financial move. Every number, every trade-off, every decision — modelled in minutes.