Money education · built for India
Make your
money
work for you
Mutual funds, SIPs, emergency funds, and the tax you are legally allowed to keep — explained properly, with calculators that use your actual numbers. No jargon, no product pitch, no paywall.
- 4
- core pillars
- 4
- live calculators
- 11
- 1:1 sessions
Why this matters
Three numbers most people never calculate
None of this requires picking winners or timing the market. It requires noticing what inaction actually costs.
Doing nothing is a decision
Purchasing power lost
₹1.25L
₹5,00,000 left in a savings account earning 3% while prices rise 6% loses roughly that much in real buying power over 10 years. The balance on your statement goes up. What it buys goes down.
Waiting is the expensive part
Cost of a 5-year delay
₹89.8L
₹10,000 a month for 25 years at 12% builds ₹1.9Cr. Start the same SIP five years later and you end up that much short — despite the delay costing you only ₹6,00,000 in contributions. Time does the heavy lifting.
Some of your tax is optional
Claimable in a year
₹62,400
A full ₹1.5L under 80C plus the extra ₹50,000 NPS deduction is worth about that much to someone in the 30% slab — using instruments you may want to own anyway. Unclaimed, it is simply a donation.
The four pillars
In the order that actually works
Most people start at step three because that's the exciting one. Building them in sequence is what makes the whole thing hold together.
Money working for you
Move the sliders. Watch the gap open.
The gold line is what you contributed. The green line is what you ended up with. Everything between them was earned by money you had already set aside.
Tax you can legally keep
Not a loophole. Just the rules, used.
Every lever below is written into the Income Tax Act and intended to be used. The only unusual thing about claiming them is how many people don't.
Figures for FY 2026-27 (AY 2027-28)
The main allowance
ELSS funds, EPF, PPF, life insurance premium, principal on a home loan, and children's tuition all compete for the same ceiling. Most salaried people have partly filled it without realising.
ELSS has the shortest lock-in of the equity options here — three years.
NPS, over and above 80C
A separate deduction that does not eat into your 80C limit. The trade is a long lock-in until retirement and a compulsory annuity on part of the corpus.
Worth the most to people in the 30% slab who were going to save for retirement anyway.
Health insurance
Premiums for yourself and your family, with an additional limit available for insuring parents. This is cover you should hold regardless — the deduction is a rebate on a sensible decision.
Employer cover usually ends the day the job does. Hold your own policy too.
The choice that comes first
None of the above applies if you are on the new regime, which trades deductions for lower slab rates and a ₹75,000 standard deduction. Which wins depends entirely on how much you actually claim.
Run both on your own salary before choosing — the crossover is personal.
Use your own numbers
Four calculators, no sign-up
Nothing you type is sent anywhere — every calculation runs in your browser.
One to one
Or just ask someone
Reading gets you most of the way. A 45-minute conversation about your actual salary, holdings and deadlines gets you the rest.
Insights
Start reading
Plain-English lessons, each answering one question completely.
Straight answers
Before you ask
Do you sell any of the products you write about?
No. WealthSense earns nothing from any fund, insurer or broker, and there are no affiliate links. The only paid thing here is a 1:1 session, and those exist to explain your options — not to place you into a product.
How much do I need before any of this is worth doing?
A SIP can start at ₹500 a month. The emergency fund matters more than the amount you invest, so if you are starting from zero, build that first — the calculator will size it for you.
Where do the return assumptions in the calculators come from?
You choose them. The default of 12% reflects the long-run average of Indian equity funds, but it is an assumption, not a forecast, and any single decade can land well above or well below it. Try the same projection at 8% before relying on it.
Is this investment advice?
No. WealthSense publishes education. We are not a SEBI-registered investment adviser and nothing here is a recommendation to buy or sell a specific security. What you'll get is enough understanding to evaluate a recommendation someone else makes.
Do I need to create an account?
No. There is no login, and the calculators run entirely in your browser — the numbers you type never reach a server. Booking a session is the only place we ask for contact details, and only so we can confirm the slot.
The tax rules changed. Is this current?
Tax figures follow the published slabs for the current financial year, and every tax page states which year it applies to. The calculator ignores surcharge on very high incomes and expects HRA exemption to be worked out separately — both are stated on the tool itself.