Should You Lock a Long FD Before the RBI Meets?
SBI Research expects the RBI to hike, not cut. At SBI's own rates, a 5-year FD already pays less than a 2-year one. The math on waiting versus locking.
Featured essay · Aug 15, 2026 · Technology
SIP vs FD After Tax: The Actual Math
Most SIP vs FD comparisons use pre-tax numbers. Taxing both correctly does not narrow the gap, it widens it. The worked math at 20% and 30% slabs.
/calculatorSIP vs FD Calculator (India)Daily-refreshed Market Mood Index, post-tax SIP/FD verdicts, and AMFI-sourced category returns. Free, transparent, and honest about taxes./converterVideo to Animated WebP/GIF ConverterConvert video clips to animated WebP or GIF images. Features trimming, presets for Discord and social media, and quality controls. All processing happens locally in your browser using FFmpeg./analyzerAI Job Risk CalculatorAssess how AI will impact your job. Get a personalized risk score based on your role, work composition, experience, and AI skills — with actionable career recommendations./analyzerReadability CheckerCheck how easy your writing is to read. Get Flesch Reading Ease, a consensus grade level, word stats, and inline highlights for passive voice, adverbs, and long sentences — all in your browser.
Section · /tools
Interactive tools, indexed.
~/tools $
/ focus · ↵ open · ★ featured
01home-loan-calc(1)Calculate home loan EMI, compare interest rates across Indian banks, analyze prepayment options, and view detailed amortization schedules.calculatoropen →02sip-fd-calc(1)Daily-refreshed Market Mood Index, post-tax SIP/FD verdicts, and AMFI-sourced category returns. Free, transparent, and honest about taxes.calculatoropen →03image-metadata-analyzer(1)Extract image metadata, generate AI-powered captions, tags, and keywords. Supports Ollama, LM Studio, OpenAI, and custom endpoints.utilityopen →04prompt-optimizer(1)Analyze and refine your AI prompts for clarity, specificity, and ethics. Detects vague words, bias, and missing elements, with customizable refinement options.utilityopen →05video-to-animated(1)Convert video clips to animated WebP or GIF images. Features trimming, presets for Discord and social media, and quality controls. All processing happens locally in your browser using FFmpeg.converteropen →06markdown-to-slack-conv(1)Convert standard Markdown or formatted text to Slack's mrkdwn format. Perfect for developers posting formatted messages in Slack.converteropen →07ai-job-risk-calc(1)Assess how AI will impact your job. Get a personalized risk score based on your role, work composition, experience, and AI skills — with actionable career recommendations.analyzeropen →08headline-analyzer(1)Score your blog or article headline on length, Google SERP pixel width, word balance, sentiment, and type. Free, instant, and private — runs entirely in your browser.analyzeropen →09readability-checker(1)Check how easy your writing is to read. Get Flesch Reading Ease, a consensus grade level, word stats, and inline highlights for passive voice, adverbs, and long sentences — all in your browser.analyzeropen →
Section · /projects
Side projects & experiments.
Tools and small games built in the open. Source on GitHub.
A quiet dispatch when something ships.
One email per essay or tool — no drip, no upsell, unsubscribe in one click. Roughly twice a month.
74 posts published9 tools shipped0 trackers on this page
Section · /post
Recent essays & field notes.
Long-form on software, AI, and the practice of building things you actually use.
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