Clacify Blog

Guides on finance, tax, investing and tools for India.

What Salary Makes You Rich in India? Income Percentile Report (2026) — How much do Indians really earn? See the full income percentile table — the monthly salary that puts you in the top 10%, top 5%, or top 1% of India, based on PLFS & NSO data.
How to Calculate EMI: Complete Formula + Step-by-Step Examples — Learn how to calculate EMI (Equated Monthly Installment) with formulas, real examples for home/car/personal loans, and using our free online calculator.
Complete GST Invoice Guide: Format, Requirements, Examples (2024) — Learn how to create GST-compliant invoices. Understand GST invoice format, mandatory fields, CGST/SGST/IGST calculation, and use our free invoice generator.
Income Tax Calculator India FY 2025-26: New Slabs, ₹12 Lakh Rebate & Examples — Complete guide to income tax in India for FY 2025-26 (Budget 2025). New regime slabs, the ₹12 lakh tax-free rebate, old vs new comparison, and a free income tax calculator.
Old vs New Tax Regime: Which Saves You More in FY 2025-26? — After Budget 2025, income up to ₹12 lakh is tax-free under the new regime. But is the old regime ever still better? A salary-by-salary comparison with the exact breakeven deductions.
How Much SIP Do You Need to Reach ₹1 Crore? — The exact monthly SIP required to build a ₹1 crore corpus, from 10 to 30 years — and why starting five years earlier can halve the amount you need to invest.
PPF vs NPS vs EPF: Which Retirement Option Is Best? — A clear comparison of the three big retirement pillars in India — PPF, NPS and EPF — on returns, tax, liquidity and risk, and why most people should use all three.
How Much Home Loan Can You Actually Afford? — Banks lend based on your income and the FOIR rule, not on the house you want. See the loan your salary supports — and why the EMI you qualify for is not the EMI you should take.
CTC vs In-Hand Salary: Why ₹12 LPA Feels Like ₹88,000/Month — The gap between CTC and take-home confuses almost every Indian employee. Here is exactly where the money goes, with a full ₹12 LPA breakdown — and how to compare two job offers correctly.
FD vs PPF vs Debt Fund: Where Should You Park Safe Money? — Fixed deposits, PPF and debt mutual funds all promise safety — but they differ hugely on tax, returns and liquidity. A practical guide to choosing the right one for each goal.