The plannF Journal

Smart money,
Indian context.

Guides, data studies, and FIRE strategies built for the Indian financial system — not copy-pasted from the West.

Whether you are optimizing your EPF contributions, deciding between the old and new tax regime, or calculating your exact FIRE (Financial Independence, Retire Early) number in India, our deep-dive articles and data-backed research have you covered. Explore our comprehensive resources below to take control of your financial future.

Browse All Topics Calculators (29)Retirement Strategy (11)FAQ (10)Tax Optimization (9)Investing (6)Comparisons (5)
⭐ Featured · Calculators

How to Generate 2 Lakhs Per Month Pension in India

Generating ₹2 Lakhs a month in retirement requires a massive corpus and extreme tax optimization. Here is the math.

2026-07-09 4 min read
How to Generate 2 Lakhs Per Month Pension in India
The 14% Healthcare Shock: Medical Inflation Data Study
Data Studies

The 14% Healthcare Shock: Medical Inflation Data Study

If you project your retirement using a flat 6% inflation rate, you will run out of money. Here is th…

2026-07-04 9 min
How to Calculate Real Estate and Illiquid Assets in Your Net Worth
Wealth Tracking

How to Calculate Real Estate and Illiquid Assets in Your Net Worth

That ancestral land or primary residence might look great on paper, but can it fund your early retir…

2026-06-27 7 min
EPF vs. Mutual Funds: The Ultimate Asset Allocation Dilemma
Investing

EPF vs. Mutual Funds: The Ultimate Asset Allocation Dilemma

Should you maximize your EPF for guaranteed tax-free returns, or pour everything into Equity Mutual …

2026-06-27 7 min
The Missing Tool in Fintech: Why We Built India's First Holistic FIRE Simulator
Product Vision

The Missing Tool in Fintech: Why We Built India's First Holistic FIRE Simulator

We searched everywhere for a proper, multi-decade financial simulator built for the Indian tax code.…

2026-06-27 7 min
How Spousal Asset Splitting Saves Lakhs in LTCG
Tax Optimization

How Spousal Asset Splitting Saves Lakhs in LTCG

Two PAN cards are better than one. Learn how married couples can legally double their tax-free limit…

2026-06-25 7 min
Old vs New Tax Regime Calculator: Maximize Your Take-Home Salary
Calculators

Old vs New Tax Regime Calculator: Maximize Your Take-Home Salary

Should you stick to [80C](/blog/mastering-indian-taxation-investors) deductions under the old regime…

2026-06-23 5 min
Monthly SIP for 1 Crore in 10 Years: The Math Explained
Calculators

Monthly SIP for 1 Crore in 10 Years: The Math Explained

Want to hit your first Crore by 2036? Calculate the exact monthly SIP required assuming 12% equity r…

2026-06-20 3 min
Term Insurance vs Endowment Plans: Why Mixing Them Kills FIRE
Comparisons

Term Insurance vs Endowment Plans: Why Mixing Them Kills FIRE

Insurance agents want you to buy Endowment plans and ULIPs. Here is the exact mathematical reason wh…

2026-06-16 6 min
Escaping the Spreadsheet Trap: Why Your FIRE Plan Needs an Upgrade
Financial Planning

Escaping the Spreadsheet Trap: Why Your FIRE Plan Needs an Upgrade

Spreadsheets are great for budgets, but terrible for 40-year retirement projections. Here is why the…

2026-06-13 7 min
FAQ: What is the Safe Withdrawal Rate in India 2026?
FAQ

FAQ: What is the Safe Withdrawal Rate in India 2026?

Quick Answer: The 4% rule is dead in India. For a 30-year retirement, you must use a 3.3% to 3.5% SW…

2026-06-12 3 min
The Role of NPS in Early Retirement (Tier 1 vs Tier 2)
Retirement Strategy

The Role of NPS in Early Retirement (Tier 1 vs Tier 2)

NPS gives you incredible tax deductions today, but the 60-year lock-in terrifies FIRE investors. Sho…

2026-06-12 8 min
FAQ: How to Avoid Lifestyle Inflation with Salary Hikes?
FAQ

FAQ: How to Avoid Lifestyle Inflation with Salary Hikes?

Quick Answer: Use the 50/50 rule. Every time you get a raise, automate 50% of it into a Step-Up SIP …

2026-06-09 3 min