Blog

Guides that explain the reasoning behind the numbers: how EMIs are built, what CTC hides, when prepaying beats investing, and the percentage mistakes that quietly cost money.

Photos & forms

How to reduce a photo to 20 KB or 50 KB for online forms

Most photo rejections on exam and job portals come down to two numbers people mix up: file size in KB and dimensions in pixels. Here is how to read the requirement and meet both.

12 October 2026 · 2 min read

Photos & forms
How to make a passport size photo with a white background at home
Take a passport-style photo with your phone, change the background to white and crop it to 35 × 45 mm (413 × 531 px), without a studio.12 October 2026 · 2 min read
PDF & documents
How to reduce PDF size for upload: under 1 MB, 500 KB or 200 KB
Why your PDF is too large for the portal, which compression level to use, and three fixes for when a scanned PDF still will not go under the limit.12 October 2026 · 2 min read
PDF & documents
How to sign a PDF on your phone without printing
Add your signature to an offer letter, agreement or form on your phone, fill in blanks, correct a date, and know when an image signature is not enough.12 October 2026 · 2 min read
PDF & documents
How to scan documents into a PDF with your phone
Photograph marksheets, certificates and ID cards so they are sharp and readable, then turn them into a single, correctly ordered PDF ready to upload.12 October 2026 · 2 min read
Payments
Fixed-amount UPI QR codes: how they work and when to use one
What is inside a UPI QR code, how a pre-filled amount works, whether the payer can change it, and how shops and tutors can use one safely.12 October 2026 · 2 min read
Salary & tax
EPF wage ceiling raised to ₹25,000: what changes in your salary
The PF wage ceiling rose from ₹15,000 to ₹25,000 from 17 September 2026. Who is affected, worked examples, the pension split and the effect on take-home pay.12 October 2026 · 2 min read
Salary & tax
How to claim HRA: rent receipts, landlord PAN and the exemption
How the HRA exemption is worked out, the eight metro cities at 50%, when your landlord's PAN is needed, and what to give your employer as proof.15 October 2026 · 3 min read
Salary & tax
Zero income tax up to ₹12.75 lakh: how the new regime rebate works
Why a salary of ₹12.75 lakh pays no tax in the new regime, how marginal relief works just above it, and what income the rebate does not cover.15 October 2026 · 3 min read
Business & GST
GST invoice format: what a tax invoice must include
The details a GST tax invoice must show, how to number invoices, when to charge IGST instead of CGST and SGST, and the mistakes that cause trouble later.15 October 2026 · 3 min read
Photos & forms
How to convert WebP to JPG on your phone or computer
Why images save as WebP, why forms and apps reject them, and how to convert WebP or PNG to JPG in seconds without uploading your photos anywhere.15 October 2026 · 2 min read
Astrology
Kundli matching explained: what your score out of 36 means
What 18, 24 or 32 gunas out of 36 traditionally mean, why Nadi and Bhakoot dosha matter more than the total, and how Manglik dosha is checked.25 October 2026 · 3 min read
Retirement
NPS withdrawal rules 2026: 80% lump sum, tax and pension explained
From December 2025, private-sector NPS subscribers can take up to 80% of the corpus as a lump sum. What changed, what is tax-free and how it affects your pension.25 October 2026 · 2 min read
Retirement
SWP vs FD for monthly income after retirement
₹50 lakh in a monthly-payout FD or a mutual fund SWP: how much each pays, how long the money lasts, how they are taxed and how to combine them.25 October 2026 · 2 min read
Investing
RD vs FD vs SIP: where to put your monthly savings
₹5,000 a month for 2 or 5 years in a recurring deposit or a SIP, compared with a lump-sum FD: returns, risk, tax and which suits which goal.25 October 2026 · 2 min read
Finance
How to calculate EMI for a home loan
Understand the EMI formula, how interest and principal split inside each instalment, and what actually changes the total cost of a home loan.11 September 2026 · 2 min read
Finance
Prepaying a loan: what actually saves the most
When you prepay a loan, you usually choose between a lower EMI and a shorter tenure. Here is how the two differ and when each one makes sense.11 September 2026 · 1 min read
Finance
SIP or lump sum: how to think about it
The SIP versus lump sum question usually has an obvious answer once you know where the money is coming from. Here is the framework.11 September 2026 · 1 min read
Finance
Compound interest, explained without the hype
How compound interest works, why frequency matters, and what the rule of 72 actually tells you, with worked examples.11 September 2026 · 1 min read
Salary
CTC versus in-hand salary: where the money goes
A line-by-line explanation of why a ₹12 lakh CTC does not mean ₹1 lakh a month, covering PF, gratuity, professional tax and income tax.11 September 2026 · 1 min read
Salary
Old or new tax regime: which one fits you
The new regime has lower rates, the old one has deductions. Here is how to work out which leaves you with more, using your own numbers.11 September 2026 · 1 min read
Finance
GST basics for a small business
What CGST, SGST and IGST mean, how inclusive pricing works, and the arithmetic mistakes that show up most often on invoices.11 September 2026 · 1 min read
Maths
Five percentage mistakes that cost real money
Stacked discounts, percentage points, reversing a rise, and the other percentage errors that show up in shopping, salary and investment decisions.11 September 2026 · 1 min read

How to reduce a photo to 20 KB or 50 KB for online forms

How to make a passport size photo with a white background at home

How to reduce PDF size for upload: under 1 MB, 500 KB or 200 KB

How to sign a PDF on your phone without printing

How to scan documents into a PDF with your phone

Fixed-amount UPI QR codes: how they work and when to use one

EPF wage ceiling raised to ₹25,000: what changes in your salary

How to claim HRA: rent receipts, landlord PAN and the exemption

Zero income tax up to ₹12.75 lakh: how the new regime rebate works

GST invoice format: what a tax invoice must include

How to convert WebP to JPG on your phone or computer

Kundli matching explained: what your score out of 36 means

NPS withdrawal rules 2026: 80% lump sum, tax and pension explained

SWP vs FD for monthly income after retirement

RD vs FD vs SIP: where to put your monthly savings

How to calculate EMI for a home loan

Prepaying a loan: what actually saves the most

SIP or lump sum: how to think about it

Compound interest, explained without the hype

CTC versus in-hand salary: where the money goes

Old or new tax regime: which one fits you

GST basics for a small business

Five percentage mistakes that cost real money