· emergency-fund, runway
Emergency runway: count months, not rupees
Emergency runway is liquid holdings divided by the monthly outflows you must still pay. ₹6 lakh against ₹75,000 a month is a runway of 8 months.
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Guides for the family money plan
Dates, arithmetic and plain answers for Indian households. Kosh tracks and warns; you decide.
· emi, home-loan
Track a home-loan EMI for its full tenure, not just this month
Early home-loan EMIs are mostly interest. On ₹30 lakh at 9% for 20 years, the EMI is ₹26,992 and ₹22,500 of the first one is interest. See the full split.
Read the guide· net worth, family finance
Family net worth across two people and many folios
Family net worth is everything both partners own, from mutual funds to PPF and NPS, minus every loan. Here is how to add it up and update it each month.
Read the guide· tax, ppf
The Indian household money calendar for a financial year
Every key money date in an Indian financial year, April to March: advance tax on 15 Jun, Sep, Dec and Mar, ITR by 31 July, PPF by the 5th, EMIs and SIPs.
Read the guide· ppf, interest
PPF and the 5th: why the deposit date changes the interest
PPF interest for a month uses the lowest amount between the 5th and month end, so a deposit after the 5th gets no interest that month. See the arithmetic.
Read the guide· swp, emi
How to time an SWP so it lands before your EMI
An SWP redemption takes 1 to 3 business days to settle, longer over weekends and holidays. Set the SWP date a few business days before the EMI date.
Read the guide· term insurance, health insurance
Term and health cover gap: the arithmetic, year by year
One simple way to size term cover: loan outstanding plus planned yearly outflows times N years, minus cover you already hold. Worked example inside.
Read the guide· sip, cas statement
Track every SIP in one place with a CAS statement
A CAS from CAMS or KFintech lists every mutual fund folio under your PAN across fund houses. Here is how to request one and use it to track every SIP.
Read the guide· kosh, family finance
Why we built Kosh: one plan, two phones, the 5th
We ran our family money plan in a spreadsheet and chat messages until an SWP, an EMI and a missed premium collided. Kosh is what we built to fix it.
Read the guide· xirr, mutual funds
XIRR on a mutual fund: what the number means
XIRR is the yearly rate that makes all your dated SIP payments and today's fund value net to zero. Here is what it means and how it is computed.
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