Guides and calculators

Worked-out numbers and plain-English explanations for the money decisions Indian families actually face — what an EMI really costs, what a salary can carry, how much cover is enough, and what a goal needs each month.

• EMI calculators Worked-out EMI, total interest and payoff figures for the loan sizes and tenures Indian families actually borrow at. 184 pages
• Prepayment savings What a part-payment really saves you, split between cutting the tenure and cutting the EMI. 66 pages
• Flat vs reducing rate A flat rate always looks cheaper than it is. These pages convert it to the reducing-balance rate you are actually paying. 50 pages
• Affordability checks Whether a flat, house, plot or car fits a given monthly salary once the EMI, the down payment and the running costs are counted. 127 pages
• Net worth & assets How to value and track gold, property, deposits, equity, funds and provident fund balances in one place. 74 pages
• Insurance cover Term life and health cover sizing by income, age and family size, plus what to track once the policy is bought. 81 pages
• Goal planners Emergency fund, child education, retirement, down payment and debt-free targets, with the monthly number each one needs. 108 pages
• Family budgets What a household budget looks like at a given income, in a given city, for a given family size. 150 pages
• Money guides The terms and decisions that show up on a family balance sheet, explained without jargon. 80 pages
• Who it is for How FamTally fits salaried families, single-income homes, joint families, freelancers and everyone in between. 80 pages