--- title: "Personal finance and tax | RupeeCase Blog" description: "SIPs, loans, insurance, emergency funds, goals and the tax lines (exemptions, cliffs, lock ins) that decide what you keep." source_url: "https://www.rupeecase.com/blog/topic/personal-finance-tax/" --- RupeeCase notes . Topic # Personal finance and tax SIPs, loans, insurance, emergency funds, goals and the tax lines (exemptions, cliffs, lock ins) that decide what you keep. * **24**notes in this topic * **6**to read in order * **3**questions answered 01Read in this order ## Six notes that carry the idea. 1. [06Goal based investing: the goal picks the vehicle6 min . 2 Jun 2026](/blog/2026-06-02-evening-goal-based-investing/) 2. [06Goal based investing: the goal picks the vehicle6 min . 2 Jun 2026](/blog/2026-06-02-evening-goal-based-investing/) 3. [06Goal based investing: the goal picks the vehicle6 min . 2 Jun 2026](/blog/2026-06-02-evening-goal-based-investing/) 4. [06Goal based investing: the goal picks the vehicle6 min . 2 Jun 2026](/blog/2026-06-02-evening-goal-based-investing/) 5. [06Goal based investing: the goal picks the vehicle6 min . 2 Jun 2026](/blog/2026-06-02-evening-goal-based-investing/) 6. [06Goal based investing: the goal picks the vehicle6 min . 2 Jun 2026](/blog/2026-06-02-evening-goal-based-investing/) 02Every note ## 24 notes, newest first. 1. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 2. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 3. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 4. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 5. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 6. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 7. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 8. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 9. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 10. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 11. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 12. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 13. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 14. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 15. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 16. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 17. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 18. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 19. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 20. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 21. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 22. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 23. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 24. [Prepay the loan or invest: the ITR decidesWith the Section 24 deduction and LTCG stripped out, the prepay or invest call lives in the gap between the post tax loan cost and the post tax equity return.12 May 2026 . 5 min](/blog/2026-05-12-morning-loan-prepay-vs-invest/) 03Go deeper ## From the notes to the course, and to the cards. [Learn path 5The free Learn course on the same ground, with a certificate at the end.](/learn/path-5/) [18 index algosEvery RupeeCase strategy, model back tested, in your own demat.](/strategies/) [All eight topicsBack to the hub: reading paths, search and the latest notes.](/blog/) 04Questions, answered with figures ## Three questions readers ask about personal finance and tax. Should I prepay my home loan or invest?On a Rs 50 lakh loan at 8.5 percent, a Rs 5 lakh prepayment in month 12 removes Rs 21.04 lakh of interest. Investing it for 19 years still wins by about Rs 6 lakh at a post tax 9.36 percent, but only for someone who holds for 19 years. [Read the note: Prepay or invest: the schedule decides](/blog/2026-08-10-morning-prepay-or-invest/) What is the Rs 1.25 lakh LTCG exemption worth?Rs 15,625 of tax a year at 12.5 percent, and it expires every April. Booking about Rs 1.25 lakh of long term gains a year and rebuying cuts the exit tax on a Rs 96 lakh corpus from Rs 10.65 lakh to Rs 7.68 lakh. [Read the note: The Rs 1.25 lakh you forget every April](/blog/2026-07-18-evening-tax-free-allowance/) Does naming a nominee settle who inherits?No. The Supreme Court held in 1983 and again in 2023 that a nominee only receives; succession law decides ownership. Without a will, Rs 80 lakh to a sole nominee wife is owned one quarter each by four Class I heirs. [Read the note: A nominee is not an heir](/blog/2026-07-22-evening-nominee-is-not-an-heir/) Explore next ## Where to go next. * [Free module 11.1Equity Taxation After July 2024: The New Rules10 min read](/learn/path-11/module-11-1-equity-taxation-after-july-2024-the-new-rules) * [Free module 7.3Inflation, Types, Measurement, and Investment Impact10 min read](/learn/path-7/module-7-3-inflation-types-measurement-investment-impact) * [CalculatorLTCG and STCG on equityFree, with the formula and a worked example](/learn/tools/capital-gains-tax-calculator) * [CalculatorRule of 72Free, with the formula and a worked example](/learn/tools/rule-of-72) * [LearnLearn systematic investing, free11 paths, 70 modules, certificates](/learn/)