3tej Blog - Page 3
129 guides on personal finance, taxes, real estate, investing, and health.
Mortgage Recast vs Refinance 2026: Which Saves More Money?
A mortgage recast reamortizes your loan after a lump sum principal payment, keeping the rate and term but lowering the monthly payment. Refinance repl...
Mortgage Points 2026: Break-Even Math and When to Buy Them
Mortgage discount points: each 1 point (1% of loan) typically drops the rate by 0.25%. Break-even is 4 to 7 years. 2026 guide with worked example for ...
Mega Backdoor Roth 2026: Full Guide for High Earners
Mega backdoor Roth lets US high earners contribute up to 46,500 USD ADDITIONAL after-tax dollars into Roth via the 415(c) 70,000 USD limit. Full 2026 ...
ESOP Tax in India 2026: Vesting, Exercise, Sale (Full Guide)
Indian ESOPs are taxed twice: as perquisite at exercise (slab rate) and as capital gains at sale (12.5% LTCG above 1.25 lakh, 20% STCG). 2026 guide wi...
Section 87A Rebate 2026: How Zero Tax Up to 12 Lakh Works (India)
Section 87A gives a tax rebate of up to 60,000 INR in the new regime, making income up to 12 lakh effectively tax-free. Full 2026 guide with worked ex...
Section 80D Health Insurance 2026: Up to 1 Lakh Tax Saving (India)
Section 80D allows up to 1 lakh INR in tax deductions for health insurance premiums (self + family + parents) in FY 2025-26. Old regime only. Full 202...