Stories · 6 visual guides

Finance, swipe by swipe.

Bite-size AMP stories — 5 to 8 slides each. Tax regimes, EMI hacks, SIP math, ISA vs pension decisions. Tap a circle below to jump to a story, or scroll through the inline feed.

India

USA

India

Global

🇮🇳 India

6 slides · Apr 18

Play story

New vs Old Tax Regime: Which One Actually Saves You More?

FY 2026-27 India tax regime comparison — side-by-side math with real salary examples, in 6 slides.

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🧾

New vs Old Regime

The FY 2026-27 choice that could save you ₹80,000+

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📊 New Regime

₹0 tax up to ₹12.75L No deduction paperwork Lower rates across slabs

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🗂️ Old Regime

₹1.5L under 80C ₹2L home-loan interest ₹50k NPS + HRA + LTA

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💡 Rule of thumb

If total deductions < ₹3.75L, the new regime wins.

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✅ Salaried with big loans?

Old regime usually wins. The ₹2L interest deduction alone covers most ₹50L+ home loans.

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Run the math

Your numbers are different. The calculator picks the winner for you.

Compare in 30 seconds →

Open full-screen story Compare in 30 seconds →

🇮🇳 India

7 slides · Apr 18

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₹5,000/month SIP = ₹50 Lakh? The Compounding Math in 6 Slides

A ₹5,000 monthly SIP at 12% CAGR really does cross ₹50 lakh in 20 years. Here is how — and why starting late hurts so much.

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📈

₹5,000/mo → ₹50L

How compounding actually plays out

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Inputs

₹5,000 invested monthly 12% CAGR (Nifty 50 historical) 20-year horizon

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Year 10

₹11.6 lakh (₹6L invested + ₹5.6L gain)

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Year 15

₹25.2 lakh (₹9L invested + ₹16.2L gain)

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Year 20

₹49.9 lakh (₹12L invested + ₹37.9L gain) 76% of wealth = compound growth

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Started 5 years late?

Same ₹5,000/month for 15 years instead of 20 = ₹25L — half the wealth.

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Your turn

Plug in your numbers, tweak SIP amount and tenure.

Open SIP calculator →

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🇺🇸 USA

7 slides · Apr 18

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5 Student Loan Payoff Hacks That Actually Move the Needle

USA 2026 student loan strategies — avalanche vs snowball, IDR, PSLF, refinancing. What works, what does not.

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🎓

Crush your student loans

5 moves that beat "just pay extra"

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#1 · Avalanche > Snowball

Pay minimums on all loans. Throw every extra dollar at the HIGHEST-RATE loan. Saves thousands.

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#2 · Autopay discount

Federal: 0.25% off. Many private: 0.25%-0.50%. Stack for free. Always.

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#3 · IDR recertify yearly

Income-driven plans cap payment at 10-20% of discretionary income. Miss recertification = payment reverts to standard overnight.

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#4 · PSLF eligibility

Gov/nonprofit job + 120 qualifying payments = balance forgiven. Use Federal Student Aid PSLF Help Tool to confirm.

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#5 · Refinance only if…

Your loans are already private, OR you will never qualify for federal forgiveness. Refinancing federal → private kills IDR and PSLF.

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Model your payoff

See how extra payments compress your payoff date.

Open student-loan calc →

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🇬🇧 UK

6 slides · Apr 18

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UK 2026: ISA or Pension — Where Should Your Next £100 Go?

Decision guide for UK savers: £20k ISA allowance vs pension tax relief. When each wins, explained in 6 slides.

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🇬🇧

ISA vs Pension

Where does your next £100 go?

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ISA basics

£20k/yr allowance Withdraw anytime, tax-free No tax relief on contributions

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Pension basics

Tax relief at your marginal rate: 20%/40%/45% Locked until 57 (rising to 58) 25% tax-free at retirement

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Higher-rate (40%) earner?

£100 into pension costs you £60 net. Pension wins on day one.

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Basic-rate earner under 40?

ISA often wins — flexibility now, still zero tax later.

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Model both

Our ISA and pension calculators show 30-year outcomes side by side.

Open ISA calculator →

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🇮🇳 India

8 slides · Apr 18

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6 EMI Tricks That Cut Years Off Your Home Loan

India home-loan borrowers: 6 prepayment and restructuring moves that shave years of interest — with real numbers.

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🏠

6 EMI hacks

Cut years off your home loan

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#1 · One extra EMI per year

Bonus prepayment of 1 EMI annually on a ₹50L/20yr loan at 8.75% = loan closes ~3 years early

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#2 · Step up 5% yearly

Increase EMI by 5% every April. Loan closes in 11-12 years instead of 20.

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#3 · RLLR > MCLR

Switch to a repo-linked loan. RBI rate cuts pass to you in 3 months vs 12 on MCLR.

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#4 · Bal-transfer @ -0.5%

A 0.5% rate cut on a ₹50L loan saves ~₹6L over 20 years. Break-even on fees = 18-30 months.

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#5 · Recalculate on rate cut

When RBI cuts repo, ask bank to lower EMI (not tenure). Most will not do it automatically.

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#6 · Never extend tenure

A 5-year extension on ₹50L at 8.75% adds ~₹30L in interest.

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Run your scenarios

See exactly how much each trick saves you.

Open EMI calculator →

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🌍 Global

6 slides · Apr 18

Play story

One Calculator Suite, 11 Countries: Meet Vitthub

Tax, mortgage, retirement and salary calculators tuned to the current tax year in India, USA, UK, Australia, Canada, Singapore, UAE, NZ, Ireland, Germany and South Africa.

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🌍

Meet Vitthub

60+ calculators. 11 countries. Zero sign-up.

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🇮🇳 India

FY 2026-27 slabs · EMI · SIP · HRA · PPF · NPS

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🇺🇸 USA

Federal + 50-state PIT · 401(k) · mortgage by state · FICA

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🇬🇧 UK · 🇮🇪 Ireland · 🇩🇪 Germany