Smart Financial Insights

🔥 The 50/30/20 Rule — Why It Fails in 2025 (And the Smarter Version You Should Use)

For over a decade, the 50/30/20 rule has been one of the world’s most popular budgeting formulas:✔ 50% → Needs✔ 30% → Wants✔ 20% → Savings

😳 The First-Year EMI Shock: Why 80–90% of Your EMI Goes to Interest (Not Principal)

Most borrowers assume that every EMI reduces their loan significantly.But the truth is far more shocking — and something banks almost never explain clearly.

💥 The Snowball Effect: How Small Prepayments Save You Lakhs — And Why Banks Never Tell You

Most people think saving big on loan interest requires big steps:Huge part-prepaymentsHigh EMIsMajor lifestyle sacrificesBut here’s the truth banks rarely highlight:👉 Even a small extra payment of ₹2...

⚠️ The EMI Mistake 90% of People Make — And How to Avoid It

Most people believe that choosing the lowest EMI is the smartest financial decision.It feels safe.It feels comfortable.It feels easy on the monthly budget.But here’s the truth most banks never mention...

💡 The Loan Affordability Rule — Are You Borrowing Smart or Borrowing Stress?

💬 The Truth About Borrowing TodayLet’s be honest — loans are not the enemy.But the wrong loan can quietly turn into a long-term stress trap.In today’s world, buying a home, owning a car, pursuing edu...

💡 Mastering EMIs: The Hidden Pattern Behind Every Loan (And How to Beat It)

Every month, millions of people around the world pay their EMIs — often without fully understanding where their money is going.If you’ve ever checked your loan statement and wondered “Why isn’t my bal...

💥 The Loan Secret Banks Never Tell You (But You Should Know)

If you’ve ever taken a home loan, car loan, education loan, or personal loan, here’s something shocking:A small part-prepayment can cut years off your loan and save you an unbelievable amount of inter...

🚀 Introducing Gearskit: The World’s Smartest EMI Calculator — Powered by AI

For years, borrowers around the world have struggled with one simple question:“How much will this loan actually cost me?”Most EMI calculators give one number — but no clarity.No affordability check.No...