Every course
47 courses across 13 topics. All free, all India-specific, no sign-up for any of it. If you know what you are looking for, this is the whole list.
Money foundations
Inflation, compounding, budgeting — the ideas everything else rests on.
- beginner
Emergency funds
The buffer that stops one bad month becoming one bad year: how much you need, where to park it so it is there on the day, and why it comes first.
18 min
- beginner
What money actually is
Why a ₹500 note is worth ₹500 when nothing is set aside behind it, who decides that, and why "legal tender" obliges far less than everyone assumes.
12 min
- beginner
Inflation, and why ₹100 shrinks
Prices rise, so the same money buys less every year — and why a deposit paying 6% against 6% inflation leaves you no better off than when you started.
13 min
- beginner
Compounding
The one idea that rewards you for being young: growth on your growth, invisible for years, and why starting ten years earlier beats putting in twice as much.
13 min
- beginner
Budgeting that survives real life
Where your money actually goes once UPI has hidden it, and a budgeting method that survives family contributions, metro rents and income that arrives unevenly.
13 min
- beginner
Net worth and the maths behind money
Why a rupee today beats a rupee next year, what a purchase really costs, and the one sum that says whether you are better off than you were last year.
22 min
Banking and payments
Accounts, KYC, UPI, and why a nominee is not an heir.
Saving
Deposits, PPF and government schemes, honestly compared.
- beginner
Deposits and the small savings shelf
Fixed deposits, PPF, NSC and the post office shelf: what each one locks up, for how long, and the trade-off sitting behind every rate on the poster.
21 min
- beginner
Gold, and the honest way to own it
Making charges, purity and hallmarks on jewellery; what Sovereign Gold Bonds did and why they stopped; ETFs, digital gold, and holding a claim not metal.
21 min
Work and retirement
Payslips, EPF, gratuity and NPS.
Investing
How markets and funds work, without a single tip.
- beginner
What a share actually is
A share is a slice of a real business, not a lottery ticket. Where shares come from, how they reach your demat account, and what every trade quietly costs.
19 min
- beginner
Mutual funds, decoded
Pooled money, professionally run, SEBI-regulated. What NAV means, what a fund charges without ever sending you a bill, and how the plan you pick compounds.
21 min
- beginner
SIP, STP, SWP: money on autopilot
Three pipes that move money on a schedule: in, across and out. What rupee cost averaging honestly does, and why a crash is where the method gets abandoned.
19 min
- beginner
Risk, diversification and real returns
Why all-in on one stock fails, why the order of good and bad years matters, what inflation and tax leave you, and the one word that marks almost every scam.
20 min
Insurance
Risk transfer, not investment — and how the two get mixed.
- beginner
Health insurance, decoded
Floaters, waiting periods, room-rent caps, co-payment and sub-limits — the fine print that decides whether a hospital bill lands on you or the insurer.
24 min
- beginner
Term insurance: the cheapest big promise
Pure risk cover buys a very large sum for a small premium, and the honesty of your proposal form is what decides whether the claim is ever paid.
22 min
- beginner
Insurance is not an investment
The bundled-policy pitch taken apart with simple arithmetic: where each rupee of premium goes, why the seller pushes so hard, and where to complain.
22 min
- beginner
Motor insurance: the cover the law asks for
The cover the law asks for pays other people, never your own vehicle — and IDV, the deductible and the no-claim bonus decide what comes back to you.
24 min
Credit and debt
Scores, cards, loans, and the traps in each.
- beginner
Credit scores, decoded
Four bureaus score you from 300 to 900, every one of them owes you a free report each year, and most of what people repeat about scores is wrong.
14 min
- beginner
Credit cards without the trap doors
A card is a short free loan with trap doors: the minimum due, cash withdrawals and no-cost EMIs each cost far more than the sticker suggests.
16 min
- beginner
Education loans, eyes open
Who has to pledge collateral, why interest runs quietly all through the moratorium, and how the 80E clock starts years before your first EMI does.
15 min
- intermediate
Home loans: the 20-year arithmetic
Early EMIs are almost all interest, a longer tenure quietly doubles what the loan costs, and the repo rate reaches straight into your monthly payment.
16 min
- intermediate
Standing guarantor: what the signature says
A guarantee is not a character reference. Section 128 makes a guarantor liable for the whole debt, not a portion of it, and the paper is with the lender.
17 min
- beginner
Buy now, pay later — and the debits you forgot
Pay-later at checkout is a loan dressed as a payment button, and an auto-debit is a permission you gave once. Both switch on easily and off quietly.
16 min
Tax
Slabs, regimes, TDS and your first return.
- beginner
How income tax actually works
Slabs are marginal, so a raise never leaves you worse off — and just above the ₹12 lakh rebate sits a marginal relief that almost nobody mentions.
14 min
- beginner
HRA: the rent money the taxman leaves alone
The least-of-three formula, why only four cities count as metro, and how rent paid to your parents holds up — if the money and the paperwork really move.
16 min
- beginner
Old regime vs new regime
The one tax choice a salaried person makes every year: which deductions survive where, the break-even arithmetic, and how switching actually works.
21 min
- beginner
TDS, Form 16 and AIS: where your tax went
Tax leaves your pay before you ever see it. Read Form 16, match it against 26AS and the AIS, and settle any mismatch before you file, not after a notice.
18 min
- beginner
Freelance and gig income: the tax rulebook
No employer, no payroll — but your clients still deduct TDS, presumptive taxation can replace the bookkeeping, and advance tax comes with real deadlines.
21 min
- beginner
GST for freelancers
A tax you collect rather than one you pay out of income: registration thresholds, invoices that survive a client's audit, and how input tax credit nets off.
16 min
Structures and succession
HUFs, trusts, wills and nomination.
- beginner
Nominee vs heir: who actually gets your money
Naming a nominee does not decide who inherits — succession law does. Bank, demat, mutual fund, insurance, EPF and PPF each follow a different rulebook.
19 min
- beginner
Wills and succession: who inherits what
Testate versus intestate, the default heir lists in each personal law, and how a valid will is made — two witnesses, plain paper, and no stamp-paper drama.
20 min
- intermediate
HUF: one family, one extra taxpayer
A Hindu Undivided Family is a separate tax entity with its own PAN — and a decades-long family commitment, not the quick tax hack the internet makes it sound.
18 min
- intermediate
Trusts and family wealth: what a trust is
There is no child trust fund in India. Private trusts under the Indian Trusts Act, 1882 are real — here is what they do, what they cost, and how they are taxed.
22 min
Property and renting
Agreements, deposits, RERA and stamp duty.
- beginner
Renting in India, decoded
Why agreements run 11 months, how deposit norms differ from Delhi to Bengaluru, and the paper trail that decides whether your deposit comes back at all.
17 min
- intermediate
Buying a home without getting played
Down payments and EMIs as plain arithmetic, the certificates that do the real protecting, and the builder clauses that are a reason to walk away entirely.
19 min
Fraud and safety
The scams that actually happen, and where to complain.
- beginner
UPI and payment fraud
The collect-request trick, the QR scam, the wrong-number refund and the fake helpline number. One rule about your PIN defeats nearly all of them.
12 min
- beginner
The scams actually happening in India
Digital arrest, job and task scams, doubling schemes. The scripts word by word, why they work on careful people, and what to do the moment they land.
14 min
- beginner
Loan apps and recovery harassment
What illegal lending apps do with your contacts, what recovery agents are not allowed to do, and where to take it once the calls to your family start.
13 min
- beginner
How to judge anyone giving money advice
A test you can apply to any finance creator online — including to us. What a SEBI registration actually means, what disclosure looks like, and the tells.
7 min
- beginner
The ombudsman and the consumer court
Money has gone and the company is not replying. There is a free route out of that, and it runs in a fixed order: grievance officer, ombudsman, commission.
24 min
Life stages
First job, first salary, moving city, job loss.
- beginner
Your first payslip, line by line
Basic, HRA, PF, professional tax, TDS: what each line on the slip does, which of them you can still influence, and which were settled before you signed.
14 min
- beginner
Your offer letter, decoded
CTC is not your salary. What the offer letter actually says about basic, PF, probation, notice and bonds — and which page to read before you sign anything.
16 min
- beginner
First salary: the order of operations
Buffer, cover, expensive debt, then investing. Why the framework is in that order, and the two traps: lifestyle creep and the unspoken family maths.
15 min
- beginner
Your parents' money, and yours
Health cover after 60, the schemes built for senior citizens, what EPS and NPS actually pay, nominations and papers — and how to start the conversation at home.
22 min
Behaviour and wellbeing
Biases, comparison, gambling adjacency, money stress.
- beginner
Money and your head
The biases that move your money before you notice — loss aversion, FOMO, anchoring — plus the curated feed, betting apps dressed as games, and where help lives.
22 min
- beginner
Money and family
Lending to relatives, saying no without losing the person, and the arithmetic of being the first earner in a home where money is shared. Warm and specific.
23 min
Not sure where to start?
This page is the library. If you would rather be told what to read first, the guided paths are ordered for a reason — protection before growth, and each step says what it unlocks.