businesscalcs

Guides

Long-form finance and business guides

These articles expand on the thinking behind the calculators so visitors can understand the trade-offs before plugging in assumptions.

Investing

SIP vs FD: How to Choose Between Market Growth and Guaranteed Returns

Understand when a SIP beats a fixed deposit, when safety should win, and how to compare returns after inflation, tax, and time horizon.

A practical framework for choosing between disciplined market investing and fixed-return deposits.

Startup

How to Estimate Startup Runway Without Lying to Yourself

Learn how to measure startup runway using true net burn, scenario planning, hiring timing, and realistic revenue assumptions.

A founder-focused approach to runway that avoids vanity math and turns burn estimates into operating decisions.

Tax

Old vs New Tax Regime: How to Compare the Choice Rationally

A practical framework for comparing India's old and new tax regimes without relying on broad rules of thumb.

Use deduction mix, income structure, and cash-flow priorities to decide which regime deserves a closer look.

Business

How to Calculate Break-Even and Use It for Real Pricing Decisions

Learn how break-even works, where the basic formula fails, and how margin, target profit, and safety buffers change the decision.

Break-even is more useful as a pricing and operating tool than as a textbook formula.

Growth

LTV:CAC Explained: What a Healthy Ratio Actually Tells You

Understand what lifetime value to customer acquisition cost really measures, where it misleads, and how payback and margin quality complete the picture.

A better way to use LTV:CAC in growth planning, especially when early-stage data is noisy.

Mortgage

Home Loan EMI Explained: What Actually Changes Your Monthly Payment

Understand how EMI works, why tenure and interest rate change total cost differently, and how prepayments alter loan payoff.

A borrower-focused guide to EMI math, affordability, and the trade-offs behind lower monthly payments.