Fund Genie Blog — Investing, SIP, Tax & Personal Finance Insights
Expert guides for Indian investors on SIP strategies, mutual fund selection, tax planning (old vs new regime), EMI math, retirement targets and salary-wise budgets. New articles every week, written by the Fund Genie editorial team and reviewed by SEBI-aware financial planners.
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FeaturedHow Much SIP Is Needed for ₹10 Lakh? (India 2026)
Find the exact monthly SIP needed for ₹10 lakh in India — by time horizon (3, 5, 7, 10 yrs) and return rate. Formulas, tables and free calculator inside.
₹25,000 SIP for 20 Years: Wealth Projection & Strategy
₹25,000 monthly SIP for 20 years in India: real corpus math at 10-14% CAGR, step-up strategy, tax and inflation-adjusted returns for 2026 investors.
₹2,000 SIP for 20 Years: Can It Make You a Crorepati?
Can a ₹2,000 monthly SIP for 20 years make you a crorepati? See exact SIP returns at 8%, 10%, 12% and 15% CAGR, step-up scenarios and the shortest path to ₹1 crore in India 2026.
₹1,000 SIP for 20 Years: Returns, Growth & Future Value
How much does a ₹1,000 monthly SIP grow to in 20 years? See exact returns at 8%, 10%, 12% and 15% CAGR, step-up scenarios and comparison with FD and PPF for Indian investors in 2026.
Rs 2 Lakh Salary India 2026: Save Tax & Build Wealth
Earning Rs 2 lakh a month in India? Here is the exact tax regime pick, SIP allocation and step-by-step plan to legally save tax and build a Rs 10 crore corpus.
Rs 500 SIP for 20 Years: How Much Wealth Can You Build?
Can a Rs 500 monthly SIP make you wealthy? See the exact 20-year return math at 10%, 12% and 15% CAGR, with step-up scenarios for Indian investors in 2026.
Salary vs Wealth: Why ₹1 Lakh Salary Isn't Riches
Why a ₹1 lakh Indian salary doesn't guarantee wealth — lifestyle inflation, tax, EMIs and the SIP system that turns income into real net worth by 60.
₹3 Lakh Salary India: Optimal Investment Allocation 2026
Optimal investment allocation for a ₹3 lakh Indian salary in 2026 — post-tax cashflow, SIP amounts, PPF, NPS and the plan to hit ₹15 crore by 60.
Ideal Savings Rate by Age in India 2026: 25, 30, 40, 50
Age-wise savings rate roadmap for Indian earners in 2026 — with equity-debt splits, retirement corpus math and step-by-step SIP action plans on FundGenie.
How Much to Save Every Month Based on Your Salary (India 2026)
Exact monthly savings targets for every Indian salary bracket in 2026 — with SIP, tax and EMI-adjusted formulas, age-wise overlays and FundGenie calculator links.
₹1.5 Lakh Monthly Salary: Tax, SIP & Wealth Creation Plan
A ₹1.5 lakh monthly salary in India can build a ₹5 crore corpus by 50. Detailed tax regime comparison, SIP allocation, EMI limits and step-by-step 2026 wealth plan.
₹90,000 Salary in India: Best Investment Strategy for 2026
Earning ₹90,000/month in India in 2026? Here is a practical, tax-smart investment strategy with SIP amounts, EMI limits, tax regime choice and a 15-year ₹2 crore plan.
₹80,000 Salary in India: Complete Financial Blueprint (2026)
Earn ₹80,000/month in India? Here's the exact 2026 blueprint: in-hand math, tax regime pick, SIPs, EMI capacity, and a 15-year wealth plan to ₹2 crore+.
Complete Financial Plan for Indians in Their 20s (2026)
A realistic 2026 financial plan for Indians in their 20s — emergency fund, SIPs, term insurance, tax regime, and 10-year wealth roadmap with real numbers.
Health Insurance India 2026: Pick a Plan Without Getting Ripped Off
A practical 2026 guide to choosing health insurance in India — sum insured math, room-rent traps, co-pay, waiting periods and the cheapest way to cover a family of four.
₹75,000 Salary in India: How to Reach ₹1 Crore Faster
A ₹75,000 monthly salary in India can hit ₹1 crore in 10–12 years with the right SIP, tax and step-up plan. Real numbers, real timelines, no fluff.
₹70,000 Salary India: Tax, SIP & EMI Planning Guide 2026
Complete ₹70,000 salary planning for India 2026 — new tax regime math, ideal SIP allocation, safe EMI limits, and a step-by-step monthly budget.
SIP vs Lump Sum: Which Wins? Nifty 50 Data 2010–2026
Real Nifty 50 backtest from 2010 to 2026 comparing SIP vs lump sum returns for Indian investors — with numbers, mistakes, and a clear action plan.
₹60,000 Salary in India: Budget & Investment Plan 2026
₹60000 salary in India 2026: ideal budget, SIP allocation, tax savings and a plan to reach ₹2 crore in 20 years. Real numbers, not generic advice.
Home Loan vs Rent in India 2026: EMI Math & Reality
Home loan vs rent in India 2026. Real EMI math, opportunity cost of down payment, city-wise rent-to-EMI ratios and when buying actually beats renting.
Direct vs Regular Mutual Fund: The Hidden Cost Killing Returns
Direct mutual fund vs regular plan India 2026 — hidden 1% expense ratio gap can cost ₹20+ lakh over 20 years. Real numbers, examples, and how to switch.
₹45,000 Salary Investment Plan India 2026: Build Wealth
₹45,000 salary investment plan India 2026 — budget split, SIP allocation, tax under new regime, and how to hit ₹1.5 crore without cutting lifestyle.
Emergency Fund India: How Much, Where to Keep & Build Fast
Emergency fund India 2026: exact target by life stage, best place to park it (liquid fund vs FD), and a 12-month plan to build one on any salary.
₹40,000 Salary in India: Best SIP, Tax & Expense Plan 2026
₹40,000 salary India 2026: exact budget split, zero tax under new regime, ₹4,000 SIP that becomes ₹1 crore. Real numbers, no fluff.
₹35,000 Salary in India: Smart Budget & SIP Plan (2026)
₹35,000 salary in India 2026: exact budget split, tax under new regime, ₹6,000 SIP plan and how to hit ₹1 crore by 45. Real numbers, no fluff.
Financial Plan for Indians in 30s: Insurance, Home Loan, Kids & NPS
Complete India 2026 financial plan for your 30s: ₹1Cr term cover, home-loan EMI math, kids' education SIPs, and NPS retirement stack — with numbers, not fluff.
₹30,000 Salary in India: Save & Invest Plan (2026)
Exact monthly plan for a ₹30,000 Indian salary in 2026 — budget, tax, SIP, insurance and 20-year corpus math with step-ups.
CIBIL Score 650 to 750+ in 6 Months: India 2026 Guide
A practical 6-month plan to move your CIBIL score from 650 to 750+ in India — utilisation, EMI discipline, credit mix and errors that quietly hurt you.
₹25,000 Salary in India: Budget, Tax & SIP Plan (2026)
₹25,000 salary India 2026 — exact budget, zero tax under new regime, ₹5,000 SIP plan and step-by-step path to ₹50 lakh corpus.
Term Insurance Guide India 2026: How Much Cover Do You Need?
Term insurance India 2026 — exact cover formula, premium math by age, top mistakes and a 5-step buying plan for Indian families.
Index Fund Investing India 2026: The Lazy Portfolio
The 3-fund lazy index portfolio that beats most active funds in India — allocations, costs, taxes, and the mistakes to avoid in 2026.
₹5 Crore Portfolio Before 50 on an Indian Salary
The exact SIP, step-up, and asset mix needed to build a ₹5 Crore portfolio before 50 on an average Indian salary in 2026 — with real numbers.
Dual Income Couples India 2026: Manage & Invest Together
How dual income couples in India should split bills, save tax jointly, run a combined SIP, and build a ₹10 Cr retirement corpus in 2026.
Freelancer Tax Guide India 2026: ITR, GST & Deductions
Complete 2026 tax guide for Indian freelancers — ITR-4, Section 44ADA, GST on services, old vs new regime, advance tax, and how to invest the savings.
₹1 Lakh Salary India 2026: Tax, SIP, EMI & Savings Plan
Optimal tax regime, SIP amount, EMI ceiling and savings split for a ₹1 lakh monthly salary in India 2026 — built around real CTC and in-hand math.
₹50,000 Salary India 2026: Budget, Tax & Investment Plan
Exact budget split, tax math (new vs old regime), SIP plan and EMI limits for a ₹50,000 monthly salary in India 2026 — with real numbers.
Wedding Cost in India 2026: Save & Invest Without Loan
Indian wedding cost in 2026 ranges ₹15-50 lakh. Exact SIP, savings plan, and fund mix to fund your wedding without a personal loan.
Save ₹20 Lakh for Down Payment in 5 Years: SIP Plan
Want ₹20 lakh as a home down payment in 5 years? See exact SIP, returns, and step-by-step plan for Indian salaries in 2026.
50-30-20 Rule: Does It Work for Indian Salaries 2026?
Does the 50-30-20 budget rule work on Indian salaries in 2026? Real numbers for Rs 40K-Rs 3L incomes, common mistakes, and a practical action plan.
Car Loan vs Buy Cash in India 2026: What Data Says
Car loan vs cash purchase in India 2026: real EMI vs investment math on Rs 8L-Rs 25L cars, opportunity cost, tax, and the smartest move by income bracket.
NPS vs ELSS 2026: Which Tax-Saving Investment Wins?
NPS vs ELSS in India 2026 compared — returns, lock-in, tax savings under 80C and 80CCD(1B), and which suits your age and salary bracket best.
HRA Exemption Calculator India 2026: Claim & Maximise
Learn how to calculate and maximise HRA exemption in India 2026 with real salary examples, formula, metro vs non-metro rules, and common mistakes to avoid.
Section 80C Investments: Full List & Best Options FY 2025-26
Complete Section 80C guide for FY 2025-26: ₹1.5 lakh limit, ELSS vs PPF vs NPS vs life insurance, real tax savings by salary bracket and best options for Indian salaried taxpayers.
How to Save Tax on ₹22 Lakh Salary in New Regime 2025-26
Practical guide for ₹22 lakh salaried Indians under the new tax regime FY 2025-26: standard deduction, NPS employer share, exact tax calculation and how to legally pay less.
Best Investment App in India 2026: Honest Comparison
Compare the best investment apps in India for 2026 — FundGenie, Groww, Zerodha, INDmoney, ET Money, Dhan. Charges, AI planning, tax tools and which app suits your salary, age and goal.
Dhan vs Groww vs Zerodha vs FundGenie: Best App in India 2026
Dhan vs Groww vs Zerodha vs FundGenie — a detailed 2026 comparison on charges, trading, mutual funds, AI planning and tax tools for Indian investors.
Groww vs ET Money: Which Is Better for Mutual Funds in 2026?
Groww vs ET Money compared on SIPs, mutual funds, NPS, charges, app experience and tax tools — the 2026 guide for Indian investors choosing between the two.
FundGenie vs ET Money: Which Is Better for SIPs and Tax in 2026?
FundGenie vs ET Money compared on SIPs, mutual funds, NPS, tax planning and AI advice — a 2026 guide for Indian investors choosing the right wealth app.
FundGenie vs INDmoney: Which AI Money App Is Better in 2026?
FundGenie vs INDmoney compared on AI planning, US stocks, mutual funds, charges and tax tools. The 2026 guide for Indian investors choosing a money super-app.
FundGenie vs Groww: Which Is Better for Indian Investors in 2026?
Compare FundGenie and Groww on SIPs, mutual funds, charges, AI planning and tax tools. A detailed 2026 guide for Indian investors choosing the right platform.
SIP vs FD: Which Is Better for Indian Investors in 2026?
A side-by-side comparison of Systematic Investment Plans and Fixed Deposits — returns, risk, liquidity and tax under the latest Indian budget — to help traditional savers decide where to put their money.
SIP vs PPF vs FD: Which Wins Over 15 Years in India?
SIP vs PPF vs FD over 15 years — full comparison with real corpus numbers, post-tax returns, risk, and which suits the Indian middle class in 2026.
Best Mutual Funds for SIP in 2026: A Beginner's Guide
An evidence-based guide to choosing the best mutual funds for SIP in India 2026 — by category, risk, returns and real selection criteria.
₹5,000 SIP for 10 Years: How Much Will You Get?
A ₹5,000 SIP for 10 years can grow to ₹11–12 lakh at 12% returns. See full calculation, return scenarios, fund choices, and tax impact in India.
Step-Up SIP vs Flat SIP: Which Builds More Wealth in India?
Step-up SIP can double or triple your wealth versus a flat SIP. See real numbers, formulas, and which one suits Indian salaried investors in 2026.
How Much SIP to Start on ₹30,000 Salary in India (2026)
On a ₹30,000 salary in India, here's exactly how much SIP you should start in 2026 — with real numbers, budget breakdown, and a step-by-step plan.
Why Most Indians Fail to Become Crorepati Through SIPs
The 6 SIP mistakes Indians make that delay their ₹1 crore goal by years, with real numbers and a fix-it action plan for 2026.
Child Education Cost in India 2035–2045 & SIP Needed
Projected cost of engineering, MBA, MBBS and overseas education in India for 2035–2045, and the monthly SIP you need to start today.
EMI vs SIP: Prepay Loan or Invest More? (Data-Backed)
EMI vs SIP in India: should you prepay your home loan or invest in mutual funds? A data-backed answer with real ₹ numbers for 2026.
How Much Money to Retire Comfortably in India (50 or 60)
Exactly how much retirement corpus you need in India after age 50 or 60, age-wise SIP table, and how to plan with 6% inflation.
₹10–25 Lakh Salary Tax in India 2026: How to Pay Less
How much tax you actually pay on ₹10, 15, 20, and 25 lakh salary in India (2026), and how to reduce it legally under the new tax regime.
Old vs New Tax Regime: Which Is Better? (FY 2025-26 Guide for India)
New regime is now the default — but is it actually cheaper for you? A plain-English India tax guide with FY 2025-26 slabs, real salary examples, and a free calculator.
Stock, Mutual Fund, Options, Crypto, Gold, Silver or Real Estate — What's Best in India Right Now? (2026)
Stocks, SIPs, gold, crypto or real estate — which one actually fits your goals in 2026? A practical, no-hype breakdown for Indian investors.
Dear Cockroaches, The Revolution Can Wait — Your SIP Cannot
Inflation does not care about ideology. A no-nonsense guide for young Indians on why SIPs, emergency funds, and goal-based investing are the only revolution that compounds.
The Financial Question Every Indian Should Be Asking Right Now
Before chasing high returns, build the foundation: an emergency fund, clear goals, and a realistic plan. Why financial preparedness matters more than ever for Indian households.
How Much Should You Invest Every Month to Reach ₹1 Crore?
A clear breakdown of how much to invest every month to reach ₹1 Crore — by time horizon, expected returns, and the mistakes that derail most plans.