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MoneyRadar is a free Indian personal finance site: live SIP, EMI, income tax, FD, PPF and salary calculators, plus Gen Z guides on CTC vs in-hand, BNPL traps, and first salary — no ads, no bank login, formulas cited to RBI and ITD.
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You asked: can I afford a ₹80,000 phone?
That's 41% of a month's pay.
- Share of monthly income
- 41%
- Months to save in cash
- 3
Better move: save for 3 months and buy it outright — no EMI, no regret.
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Common money questions
- What is MoneyRadar?
- MoneyRadar is a free personal finance site for India with live calculators (SIP, EMI, income tax, FD, PPF, salary), honest product comparisons, and plain-English Gen Z money guides — no ads, no bank data access.
- Is MoneyRadar free to use?
- Yes. All calculators and guides are free with no signup required. Partner referral links are clearly labelled; rankings are not for sale.
- What is SIP in mutual funds?
- SIP (Systematic Investment Plan) means investing a fixed amount into a mutual fund every month automatically. It uses rupee-cost averaging — you buy more units when prices are low and fewer when high.
- What is a home loan?
- A home loan (housing loan) is a long-term secured loan to buy property in India, typically at 8.5–9.5% interest over 15–30 years. The property is collateral, so rates are lower than personal loans.
- What is NPS in salary?
- NPS (National Pension System) is a market-linked retirement account. Employers may contribute; your contribution can get an extra ₹50,000 tax deduction under Section 80CCD(1B) in the old regime.
- What is repo rate?
- Repo rate is RBI's benchmark lending rate to banks. When it rises, home loan and FD rates usually rise too. As of mid-2026, RBI held repo at 5.25% — verify current rate before acting.
- Old vs new tax regime — which is better?
- The new regime has lower slab rates and ₹75,000 standard deduction but almost no deductions. The old regime allows 80C, HRA, and home loan interest. If deductions exceed ~₹3–4 lakh, old often wins.
- CTC vs in-hand salary — what's the difference?
- CTC is your total cost to company on paper; in-hand is what lands in your bank after PF, tax, and deductions. Never divide CTC by 12 — freshers often see 65–75% of fixed CTC as monthly in-hand.
- Is 12 LPA equal to ₹1 lakh per month?
- No. ₹12 LPA CTC ÷ 12 is ₹1L only on paper. After PF and income tax, fixed-heavy 12 LPA often lands around ₹75–90k/month in-hand — run a take-home calculator on fixed components, not the offer headline.