Exploring Tech, Finance & Productivity
Practical articles, free developer tools, and finance calculators. No jargon, no fluff.
The Exact Exit Load and Tax You Pay When Redeeming Each Type of Mutual Fund
Most investors know roughly how mutual fund taxes work but are surprised by the exact numbers at redemption. Exit loads reduce the amount …
Read MoreThe React Hooks That Are Secretly Destroying Your Performance
useEffect and useState misuse are the leading causes of performance problems in React applications. Most engineers learn the API without …
Read MoreOpenTelemetry Is Finally Ready for Production - Here Is Where to Start
OpenTelemetry has stabilized across traces, metrics, and logs. The vendor lock-in problem it solves is real, and the integration path is now …
Read MoreSystematic Withdrawal Plan: Sequence of Returns Risk Explained With Indian Data
A Systematic Withdrawal Plan (SWP) is the mirror image of an SIP. Instead of investing a fixed amount monthly, you withdraw a fixed amount …
Read MoreHow Apple Silicon Changed the Economics of Developer Hardware
The M-series chips did not just make Macs faster. They restructured the cost-performance calculus for developer laptops in a way that …
Read MoreWhy the Sensex Crossing 80,000 Tells You Nothing About Future Returns
In 2024, the Sensex crossed 80,000 points and financial media treated it as meaningful. News anchors made special graphics. AMC marketing …
Read MoreSGB vs Gold ETF vs Physical Gold: 10-Year After-Tax Return Comparison
Gold has three primary investable forms for Indian retail investors: Sovereign Gold Bonds (SGBs), Gold ETFs via stock exchange, and physical …
Read MoreThe Database Index Type You Have Never Used but Should
Partial indexes and expression indexes have been in Postgres for years and are routinely ignored. They can cut index size by 80% and query …
Read MoreHow Pharma Sector Stocks Behaved During COVID: A Data-Driven Look
Pharma was supposed to be the COVID winner. And it was - for about 18 months. Then came three years of underperformance that wiped out much …
Read MoreWhy Your CI Pipeline Is Probably Lying to You
A green CI build is not the same as a safe deployment. Most pipelines have structural gaps that create false confidence about code quality …
Read MoreHow Bun Dethroned Node.js for Local Development
Bun is not just a fast Node.js replacement - it collapses the entire JavaScript toolchain into a single binary and makes the developer …
Read MoreNifty 500 Index Fund vs Nifty 50: Are You Actually Getting More Diversification
The Nifty 500 index contains 500 companies compared to Nifty 50’s 50 companies. The intuitive conclusion is that Nifty 500 is 10x more …
Read MoreThe Go Patterns That Separate Seniors from Juniors
Go is simple to learn but the patterns that distinguish experienced Go engineers from beginners are non-obvious. Here are the ones that show …
Read MoreThe Problem With Most Balanced Advantage Funds: Valuation Models Differ
Balanced Advantage Funds (BAFs) are marketed as smart, self-managing hybrid funds that automatically reduce equity exposure when markets are …
Read MoreWhat SEBI's TER Rules Actually Mean for Your Mutual Fund Returns
The Total Expense Ratio (TER) is the annual fee that a mutual fund deducts from its assets to cover fund management, administration, …
Read MoreWhy Every AI Company Is Building Its Own Silicon
Google, Meta, Amazon, Microsoft, and now OpenAI are all designing custom AI chips. This is not vanity - it is a structural economic and …
Read MoreHow a Single Nginx Misconfiguration Exposed 2 Million Records
A missing trailing slash in an Nginx alias directive is one of the most common and most serious misconfigurations in web infrastructure. …
Read MoreMirae Asset vs Axis vs HDFC: Which AMC Consistently Delivers Alpha
When comparing AMCs, the question is not which fund had the best 1-year return - that is random. The question is which AMC has delivered …
Read MoreHow to Build a 3-Fund Portfolio for Indian Investors
The 3-fund portfolio is the simplest evidence-backed investment framework that exists. It was popularised in the US by Bogleheads (followers …
Read MoreThe Real Reason Kubernetes Is Hard
Kubernetes complexity is not accidental and it is not just a learning curve problem. It is the result of solving genuinely hard distributed …
Read MoreDeveloper Tools
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Open ToolUnix Timestamp
Convert between Unix timestamps and human-readable dates.
Open ToolFinance Calculators
SIP Calculator
Calculate monthly SIP growth with the power of compound interest.
EMI Calculator
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1 Crore SIP
Figure out how much SIP you need to build 1 crore.
Emergency Fund
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HRA Calculator
Compute your tax exemption under Section 10(13A).
Investment Growth
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