3tej Blog - Page 9
129 guides on personal finance, taxes, real estate, investing, and health.
How to compare 2 or 3 job offers 2026: TC, take-home, cost of living, 4-year NPV across cities
Compare 2-3 job offers across cities 2026. $250K SF vs $200K Seattle vs $150K Bangalore: actual take-home after tax, cost-of-living adjusted, 4-year R...
International FIRE 2026: how the same retirement nest egg lasts in 8 countries (tax-adjusted)
FIRE number across 8 countries 2026: same $50,000/year expenses requires very different nest eggs depending on retirement tax. Australia super tax-fre...
How much personal loan can you get in India 2026: CIBIL + salary multiple + FOIR worked examples
Indian personal loan eligibility 2026: PSU bank 20-30x monthly salary, NBFC 10-25x, FOIR cap 50-65% by CIBIL. Cheaper alternatives: gold loan 9%, loan...
Old vs new tax regime 2026: 10 income/deduction combinations and which wins (with worked math)
Old vs new income tax regime in India FY 2025-26: 10 income + deduction combinations ranked. New regime wins for low-deduction earners; old regime win...
Which Indian mutual fund to pick in 2026: 6-question quiz + 15-category comparison
Indian mutual fund picker 2026: ELSS for 80C tax-saving (lock-in 3 years, ~14% return), large-cap index for steady (~12%), mid-cap for aggressive (~16...
How much home loan can you actually get in India 2026: FOIR + CIBIL + LTV worked examples
Indian home loan eligibility 2026: FOIR cap 50-65% by CIBIL, LTV 75-90% by loan size, age + tenure constraints. Worked examples for ₹50K, ₹1L, ₹2L mon...