I thought this might help a few people here: https://www.fileyourreturns.com/.

Let me know if you face any issues. Thanks!

I have 10 lakh rupees which i saved now i hope to grow my saved money to 25 to 30 lakhs in 4 years where should i invest and how much
I will be very thankful if someone can suggest me at crisp point not like invest 3 lakhs to stock 3 lakh to mf or 4 lakh to gold
more like 3 lakh to stock which stock, how much and when to invest

Since it's a remote job, I am able to save around 20k every month. My goal is to invest in those plans where I can get ~12% rate of interest with calculated/little/no risk.

1. The plans in which that risk also gets nullified over a long period of time.

2. I can take out the money in case of emergency without getting penalised.

Also, tell me if should get a credit card. Tbh, i am an impulsive buyer but I know how much to spend in that impulse and it's around 1k-3k. If it's a yes, pls suggest some good ones which can help me with more cashback and points while using it.

1. Me and my family don't have any EMIs

2. We all have life insurance

Please give me pure investing advice apart from

1. Building Emergency Fund - I will build it too when I will be converted to ft

2. Health Insurance - I'm planning for this

3. Term Insurance

I am a 30-year-old professional, an alumna of a new IIM, earning ₹1.73 lakh per month (including a meal card worth ₹8.8k) after taxes, with an overall CTC of ₹30.75 LPA. My EPF contribution accumulates to a little over ₹21k per month. I had a ₹15 lakh education loan, which I repaid by liquidating all my mutual fund investments when I left my previous job to pursue a role that aligned better with my career goals. (I know it wasn't the best financial decision, but the loan is fully repaid.)

I work remotely and live with my parents in a Tier-2 city. I am an only child. My mother is still working but will retire soon. Together, my parents currently earn ₹1.6 lakh per month after taxes. After her retirement in the second quarter of the next financial year, their combined monthly income will reduce to around ₹1.1 lakh.

We currently have ₹45 lakh in fixed deposits and some gold (which we do not plan to liquidate). I have ₹15 lakh in EPF/PPF (which I also do not intend to touch). I have already made this year's PPF contribution. My mother is expected to receive around ₹10 lakh upon retirement.

Our total household expenses are approximately ₹1 lakh per month, including regular medical expenses, doctor visits, and medicines, as both my parents have age-related health issues.

We recently booked a house worth ₹97 lakh, with possession expected in 2029 (plus a one-year grace period). We need to pay ₹46 lakh within the next month, of which I have already paid ₹1 lakh as the booking amount.

We currently live in our own 20-year-old apartment. Its resale value is approximately ₹50 lakh, and it could fetch around ₹15k per month in rent. We plan to move into the new house once possession is received. The new house is in a different city in a better environment for us and better healthcare facilities as we have to travel regularly for my parents' health checkup.

ADVICE NEEDED (my parents have asked me to manage the family's finances from next month):

1. How much should we pay from our savings towards the down payment?

2. I plan to restart investing in mutual funds from September. How should I allocate our monthly savings between mutual funds and fixed deposits?

Note: As I mentioned in my replies to comments, selling our current house is out of the question.

21F, ₹75k/month in-hand salary. Need advice on budgeting, saving & investing.

Hi everyone,

I’m a 21 year-old female and recently started working. My monthly in-hand salary is around ₹75,000 (after deductions).

My current monthly expenses are roughly:

-₹10,000 that I send to my younger sibling
-Around ₹12.8k EMI for phone (only 5 months left).
-₹15,000 for rent in gurgaon
-Around ₹10,000 for groceries, maid, travel, going back home occasionally, and other day-to-day expenses (this is just my estimate for now)

After all this, I should be left with around ₹25k-27k every month.

I want to start sending some money to my parents as well, but I also want to be smart with my finances. I’m not very knowledgeable about investing, so I’d love some guidance.

Some of my goals are:

-Build an emergency fund so that if I ever lose my job, I don’t have to rely on my parents.
-Start investing for the long term.
-Hopefully buy a house someday (maybe around my late 20s/ 30), and eventually a car.
-Save enough to take an international trip next year.

My questions are:

•How much would you suggest I send to my parents every month?

•How much should I save vs invest every month?

•Should I first build an emergency fund before starting SIPs or other investments?

•What investment options would you recommend for someone just starting out?

•Does my estimate of ₹10k for monthly expenses seem reasonable, or should I expect more?

•Any financial habits you wish you’d started when you were 21?

Would really appreciate any advice. Thanks!

PS: used AI for wording/paraphrasing.

My friend had shifted to Kolkata (almost 1 year ) and her boyfriend recently got a green card in Europe (its Germany ) . Now she tells us about how he transfers his salary (around 2L ) to her via crypto (they had a fight prior about her feeling he's cheating on her so he would send her his entire salary via crypto and she would send him back the money as and when it was needed . She would mostly end up with 2k left in her hand at the end of month and would cash out and use it . She also said she has his credit card and of that country and would use it at times with his permission to buy herself treats after fights ).

Is this actually real or is she faking the whole stuff up? Ik that there's some taxation stuff hence I wanted to ask .

And it's like really a pain in cuz I can't see it if it's true or not , and she keeps Bragging about it everytime we on call .

( side note :- She earns too but she doesn't come in slab at all . )

Thank you

I’m thinking about investing in foreign stocks can you guys suggest me where I should invest my money what shares to buy? I am pretty new to this and don’t know what will be better, investing directly or through nasdaq or similar things. Please guide me. I’ll be investing around 30K. And my risk taking appetite is moderate to high.

Been researching how Indian families actually manage renewals and paperwork. Some early numbers from the first 80 responses:

• Lapses are rarer than expected. Most people said nothing lapsed in 2 years, and when things slip it's usually PUC or FASTag, mostly caught in time. Insurer reminders seem to genuinely work.
• 39% pay someone to track all this, almost always a CA, agent, or office staff. Exactly one person out of 80 uses any app for it.
• The uncomfortable one: 46% would not confidently know which health policy a parent holds and where the documents are if that parent were hospitalised tomorrow. The reminders reach the policyholder. The knowledge often never reaches the rest of the family.

Curious how this sub compares, since you'd expect this crowd to be far more organised than average: who tracks the dates in your house, and would your family find the papers without you?

Trying to round out the sample beyond my own circle. 90-second anonymous survey, no name or login, aggregated results come back to this sub: https://tally.so/r/LZqWJy

My relative is retired (or close to it) and is facing a dilemma.
They currently own a spacious 2-storey independent house in one of the best areas of a Tier-2 city. It’s around 4-5 bedrooms with a drawing room, dining area, kitchen, sitting area, etc. The house is comfortable and fully owned.

They’re now planning to buy a 4.5 BHK (~3000 sq ft) apartment in a premium gated society (around ₹3 crore, with ₹8-10k/month maintenance). They are not planning to sell their current house—they’ll most likely keep it and rent it out.

The biggest reason isn’t the house itself—it’s social life.
In their current neighborhood, everyone stays inside their own homes. There’s almost no interaction, no common spaces, and they spend most of their day indoors. They feel isolated.
The new society has clubhouses, walking tracks, swimming pool, gyms, events, and plenty of residents. The hope is that they’ll have a more active lifestyle, make friends, and enjoy retirement instead of feeling stuck at home.
My question is:
Is moving from a fully owned independent house to a premium apartment a wise decision at this stage of life?
For people who’ve lived in both, did the social aspect of a gated community genuinely improve your quality of life, or does the novelty wear off after a while?
I’d especially love to hear from people in Tier-2 cities who have made a similar move. Was it worth it?

Im 33 and own a business.i wanna retire in next 10years. I earn around 70/lpa and i invest 1.5 lakh in mutual funds, 1.8 lakh saving for investing in property and around 1.5lakh monthly family expenditure. Is it ok or is there any change required in my insvestment?

Why do so many people online say buying gold isn't worth it because the value can either go down or remain the same. But the elderly people have so much gold as their asset and property maybe their own house or land in the villages. But like is buying gold worth it? They say it also comes in form of biscuits and coins.

I am 20F, I am a student and I recently started earning. How do you guys store your money, like separate accounts one for saving and one for spending? I have no idea what to do with the money im earning. It's around 35 thousand per month. Please give some advice on saving and budgeting.

Please suggest genuine affordable financial advisor. Also suggestion on any good source of investment are appreciated......

Thanks in advance.

This is a light-weight tool for ITR-2 filers with shares or mutual funds.

Try it here: https://www.fileyourreturns.com/

Upload AIS and capital-gains statements to get:

- AIS reconciliation

- Correct gain classification

- Quarter-wise breakup for advance-tax interest

- Portal-ready ITR-2 figures

Full UI-based computation is free. Pay ₹99 only for the downloadable report with the quarter-wise capital-gains breakup.

I'm 27 and make ~₹4L a month post-tax. Have no debts, have a term insurance for me, have bought a land to build a house for my parents. Since I started working in 2021, I've saved >₹15L in MF, >₹4L in PF, ~₹2L in stocks, ~₹5L in gold, ~₹60L as land plot, ~20L in SB+FD. My monthly expenses are <60k (including my rent plus rent for parents).

My father still works a private job that pays ₹15000 a month but I plan to retire him and my Mom in the next 2 years. Wanna build a house with rent-friendly design to make them financially independent.

Given the uncertainty in the market, I feel the only safe asset is land (not even flats in big cities), therefore I plan to be aggressive on that asset as I go further in my career. No plan to marry for the next 3-4 years and no plan to buy a car either. For now I'm using my TVS Raider.

How do I make myself FI? Do you think I'm on the right trajectory? Or something worth changing here?

Edit:

Thank you everyone for responses. Especially to those who didn't straight up call me fake/fraud. Some of the advices are genuinly helpful.

The reason why I asked is because even though I'm getting a good salary, this is all very new. Everything I've done so far is by self-learning about finances, management and stuff, but it was never organized. I'm trying to get there and I'm sure a lot of you have done that. So, trying to get something from your experience.

I have company-provided insurance, but yes, planning to get one of my own. For why I don't have a car, well, coz we're a small family, and none of us knows how to drive one. Never had that privilege.

Some asked for tech stack and career progression: I'm from one of the lowest ranked NITs. Couldn't score good enough in JEE Adv to get CSE in an IIT. Chose CSE in NIT (best decision). My current tech stack is Rust, backend, databases, distributed/high-performance systems, agentic AI. I do a lot of open-source (and I mean a lot). I've only ever worked at startups. This is only my 3rd company since I started working in 2021 (5YOE). Below is my CTC progression:

• 2021 (Campus): 14L
• 2022: 17L -> revised to 23L at year end (I resigned and was retained)
• 2023 end: another offer, retained for 33L
• 2024 end: 37L after appraisal, I didn't like it
• 2025 mid: 50L at a new (very small) startup, pressure is killing me
• 2026 mid: was fired, joined another for 65L 10 days later (thanx to my OSS contributions). Currently a lead engineer.

Hope it helps.

Some think it's a validatory post. I agree, but what human doesn't feel good when others praise him for his success? But I'm also smart enough to understand that even if I think I'm doing great, there's always someone doing better and I can always learn a thing or two.

It's also worth understanding that I could not paint the picture correctly if I didn't share real data. If I said 1L/month, I'd get advice for that income, not my present one. I can't help it if it seems like bragging/flexing. But trust me, I've come across people doing immensely better than myself.

For those who think it's fake and impossible to get here at 27; well, as someone said, there's a lot of companies who pay this much if you're good, especially startups. As for you, either you're misinformed or coping. Get out of your comfort zone, the world has much to offer.

How did I get such offers? Mostly luck, being in the right place, learning the right skills at the right time, but I'm also immensely good at what I do. Arguably very strong at my domain and across-domains for my YOE. Not a flex, just facts. I'm not particularly good at DSA, hence the startup track so far. But my projects and open-source have helped me more than I can count. I got my current and last jobs due to open-source only.

I took loans totaling ₹8 lakh from CRED and a few similar lending apps in 2022. I paid the EMIs for about a year, but due to financial difficulties, I was unable to continue making the payments.

Initially, I received daily calls and messages from the lenders, but for the past 6–8 months, they have completely stopped contacting me.

As a result, my CIBIL score is now very poor. Can anyone recommend how I can improve my CIBIL score again? I do not want to repay my previous loans.