Learn
Start with what nobody explained.
Each lesson is a few short cards. Read them here, or in the app with a quiz at the end.
- 01
Your first salary
- Reading your payslip · 4 min. Why your CTC isn't what reaches your bank, line by line.
- PF: the money you save without noticing · 3 min. What EPF, EPS and VPF are, where the money goes, and when you can touch it.
- Professional tax: the small line on your payslip · 2 min. A state tax of up to ₹2,500 a year. What it is and why it differs by state.
- Old or new tax regime: which one is yours · 4 min. Two ways to work out income tax. How to tell which leaves more in your bank.
- Reading your Form 16 · 3 min. The certificate your employer gives you every June, and how to use it to file.
- Your first salary: a simple order of things · 3 min. Where the money goes first, second and third, before any investing.
- 02
Emergency fund first
- Why an emergency fund comes first · 3 min. Money for surprises, kept where you can get it fast.
- Where to keep your emergency fund · 3 min. Savings account, sweep-in FD or liquid fund: what each is good at.
- Building it from ₹1,000 a month · 2 min. How long it takes, and how to make it happen without thinking about it.
- 03
SIPs and compounding
- What a mutual fund actually is · 3 min. Many people's money, one manager, and units in your name.
- NAV: the price of one unit · 2 min. What NAV means, when it's set, and why a low NAV isn't cheap.
- SIP or lump sum · 3 min. Investing a bit every month or all at once. What each is good at.
- Compounding: why starting early matters · 3 min. Growth on growth, and what 10 extra years can do.
- When markets fall · 4 min. Falls are part of investing. What past ones looked like, and what to do with your SIP.
- Step-up SIPs: grow it with your salary · 2 min. Raising your SIP a little every year, and what that does over time.
- 04
Before you buy a fund
- What a fund costs you · 3 min. The yearly fee, what it costs in rupees, and the two plans every fund has.
- 05
Tax and your investments
- Using your yearly tax-free gains · 4 min. The first ₹1.25 lakh of long-term equity gains each year is tax-free. Here's how people use it.
Words you'll meet: the glossary. Numbers to try: money tools.