The WellthIQ blog

Money, made clear.

Honest, jargon-free guides on saving, investing, tax and planning. Written for real Indian salaries and lives, not textbooks.

8 articles

Featured · Wealth Building

The seven things that decide your financial future

Most money advice optimises one thing at a time. Financial health is a system, and it is only ever as strong as its weakest part. Here are the seven that matter.

The WellthIQ team · 11 Sep 2026 · 9 min read

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SavingHow much of your salary should you actually save?20% is the usual rule of thumb, but your number depends on when you started, what you earn and what you are saving for. Here is how to work it out.11 Sep 2026 · 7 min read
SavingHow to budget on an Indian salary without tracking every rupeeMost budgets fail because they ask you to record everything. A budget that works decides where money goes before it arrives, and then leaves you alone.11 Sep 2026 · 6 min read
SavingHow big should your emergency fund be?Three to six months of expenses is the standard answer. What that means for you depends on how replaceable your income is, and where you keep it matters as much as the size.11 Sep 2026 · 6 min read
DebtShould you prepay your home loan or invest the money?The arithmetic is simpler than the argument suggests. Compare the interest rate on your loan with the return you can realistically expect after tax, and use conservative figures for both.11 Sep 2026 · 8 min read
Wealth BuildingHow much insurance do you actually need?Insurance is the dull part of a financial plan, but it decides whether the rest of the plan survives a bad event. Term life and health cover do most of the work, and most other policies can be skipped.11 Sep 2026 · 7 min read
InvestingOwning eight mutual funds is not diversificationMost portfolios that look spread out are concentrated in one thing. Spreading money across asset classes does far more than adding fund names.11 Sep 2026 · 7 min read
Wealth BuildingNet worth is the only number that tells you the truthIncome tells you what you earn and savings tell you what you put aside. Net worth is the only figure that captures whether any of it is working.11 Sep 2026 · 6 min read

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