Payroll Accounting
Running payroll in India: PF, ESI, TDS and the dates that matter
Payroll is four separate compliance regimes that happen to share a spreadsheet. Each has its own threshold, its own return…
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Payroll Accounting
Startup Finance
Advance tax when your income is lumpy
The instalment schedule assumes you know in June what you will earn by March. Freelancers do not, and the rules…
Auditing
What a statutory audit actually looks at
An auditor is not checking every entry. They are testing a handful of assertions, and knowing which ones turns a…
Financial Planning
A financial plan that fits on one page
Most plans fail because they are too complicated to follow. Six decisions, in order, cover almost everything that matters.
Financial Reporting
A thirteen-week cash flow forecast, and why profit is not the number to watch
Profitable businesses run out of money regularly. The forecast that prevents it fits on one sheet and takes an hour…
Estate Planning
A nominee is not an heir — why your will still matters
Filling in a nomination form feels like estate planning. It is not. A nominee receives the asset; who is entitled…
Retirement Planning
NPS or mutual funds: where should retirement money actually sit?
One has a lower cost and a tax deduction. The other has no lock-in and no annuity requirement. For most…
Bookkeeping
Setting up a chart of accounts that still makes sense in year three
Messy books are rarely a data-entry problem. They are a structure problem, and the structure is decided in the first…
Wealth Building
Renting or buying: the arithmetic nobody does before signing
The comparison is not EMI against rent. It is total cost of ownership against rent plus what the down payment…