Business Registrations and Licences in India: The Complete Map
GST, Udyam, Shops & Establishments, FSSAI, EPFO, trademark — most small businesses need only 3-5 of the ~15 registrations that exist. Here is the map.
I build practical money systems for cleaner financial decisions.
Here you’ll find finance guides, calculators, spreadsheet templates, and operating systems that make money easier to understand, plan, and manage.
Start here
Learn
Six money pillars — from your first budget to GST for a small business. Start with the fundamentals, then go as deep as you need.
Wealth
Understand investing concepts, risk, returns, and long-term planning.
Budget
Build a monthly system for income, spending, and savings.
Credit
Learn how credit cards, loans, CIBIL, and debt decisions work.
Taxes
Review Indian tax concepts — deductions, GST, TDS, and filing basics.
Systems
Use spreadsheets, calculators, and checklists to cut financial confusion.
Business
Practical finance systems for Indian SMEs, agribusiness, and cash flow.
Calculator Desk
Calculate — use calculators to compare assumptions before making a decision. Every calculator shows its formula and a worked example, so it teaches as it computes.
EMI CalculatorMonthly EMI, total interest, and total cost for any loan.Open →SIP CalculatorProjected maturity value and gains from a monthly SIP.Open →Income Tax CalculatorEstimate income tax under the new vs old regime, FY 2025-26 (verify final figures with the e-filing portal).Open →Monthly Budget CalculatorSee your monthly surplus, total expenses and savings rate.Open →50/30/20 Budget CalculatorRecommended vs actual needs/wants/savings, with a budget health estimate.Open →Net Worth CalculatorTotal assets minus total liabilities — your real scorecard.Open →
Calculators are educational estimates and may not match lender, tax, or professional calculations. Rules and rates change — verify current figures with the official source before you decide.
Featured articles
How to Start Investing in India: A First-Principles Framework
Before picking an investment, you need to answer four questions. Most people skip straight to step four — and pay for it.
How to Think About Net Worth Before You Think About Investing
Net worth is the foundation of every financial decision. Before picking stocks or mutual funds, understand what the number tells you and what it doesn't.
Credit Score in India: 7 Critical Factors That Shape Your Borrowing Power
Your credit score in India shapes loan approvals, interest rates, and terms. Learn what it means, what affects it, and how to build it correctly.
Tax Planning vs Tax Saving: Why Most People Do the Wrong One
Most Indians scramble to save tax in January and February. Tax planning is different: it runs all year and gives better outcomes with far less stress.
GST for Small Business in India: What You Actually Need to Know
GST compliance for a small business is simpler than it looks once you grasp the basics: registration thresholds, return filing, and input tax credit.
Newsletter
One practical money system every week.
Budgeting, credit, taxes, calculators, templates, and small-business finance — explained simply, without hype. Education and planning only, not investment, tax, or legal advice.
Join the Money Systems newsletter →About