The Big Pitcher Journal
A practical map for your money.
Detailed explainers for the financial decisions that show up in everyday life.
Earn
Income taxIncome tax in India: a practical guide to reading your salary and return
The building blocks of taxable income, TDS, regimes, deductions and filing.
Read explainer →GSTGST for freelancers and small businesses: the operating basics
How GST changes invoicing, collections, input tax credit and compliance.
Read explainer →Spend
BudgetingBudgeting that survives real life
A flexible system for directing money without pretending life is perfectly predictable.
Read explainer →Protect
Health insuranceHealth insurance: how to read the cover before you need it
The terms that determine whether a policy protects you in an actual hospitalisation.
Read explainer →Term insuranceTerm insurance: income protection, not an investment plan
How pure life cover works, who needs it and what the application really asks of you.
Read explainer →Borrow
Credit cardsCredit cards: a payment tool that becomes expensive debt when misunderstood
Billing cycles, total amount due, utilisation, rewards and safer card habits.
Read explainer →Home loansHome loans: look beyond the EMI
How tenure, floating rates, down payment and paperwork shape the true cost of a home loan.
Read explainer →Car loansCar loans: the total cost of driving starts before the first EMI
A framework for matching the vehicle, down payment and loan term to your actual cash flow.
Read explainer →Grow
SIPSIP: a disciplined investing method, not a promised return
What a systematic investment plan does, what it does not do and how to use it thoughtfully.
Read explainer →EPF & PPFEPF and PPF: similar names, very different roles
How workplace provident fund and voluntary public provident fund fit into long-term saving.
Read explainer →