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Free · every Sunday · two editions

Big-world economics, counted in loose change.

Oil, rates, tariffs and tax rules, traced all the way to your EMI and your salary. Every Sunday: one method, one free tool, and every number with its source. No tips. Ever.

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Sunday 11 October 2026

Fresh off the counter

The latest issue of each edition. Read them here, free, no login.

  • India #02
  • Sunday 11 October 2026
  • 10 minutes

One Barrel. Three Bills.

Brent crude averaged $114 in September. Here's where it lands: your tank, your dosa and your EMI. Plus the RBI's hike, NPS's new fee, and a free sheet that prices a 'no-cost' EMI.

  1. The TakeYou've Never Seen Hormuz. You've Paid Its Toll Since May.
  2. The DeskThe RBI Moved. Your Bank Picks the Day You Feel It.
  3. The DeskYour NPS Now Pays Rent. Find Out Who Collects It.
  4. The ToolkitThe EMI Was Free. The Phone Cost More.
  5. The MethodTwo Loans at 11% Are Never the Same Loan
Read the issueEvery India issue
  • Corridor #02
  • Sunday 11 October 2026
  • 12 minutes

You Don't Become an NRI at the Airport.

India counts days, not boarding passes. Plus one oil shock with a bill on each side, a one-time amnesty that closes on 31 December, and your German pension: refund it or keep it? Rate used: €1 = ₹108.66 (ECB, 6 October 2026).

  1. The TakeYou Don't Become an NRI at the Airport
  2. The DeskSame Barrel, Two Pumps
  3. The DeskForgot a Foreign Account? Sorry Has a Price Until 31 December
  4. The ToolkitCount Your Days Before the Tax Department Does
  5. The MethodRefund the Pension or Keep the Months? First, Find Out Which You're Allowed
Read the issueEvery Corridor issue

Apps charge for these. Here, they're yours.

All free tools
Free · no signupIndia

No-cost EMI true-cost sheet

Prices a 'no-cost' EMI: the extra you pay and the yearly rate once you count the pay-now discount.

Runs in your browserOpen it
Free · no signupCorridor

Remittance true-cost calculator

The real cost of a transfer between Europe and India: fee plus the markup hidden in the rate.

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Free · no signupCorridor

India residency day counter

Counts your days in India for the tax year and checks the 182-day and 60-day tests.

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Free · no signupIndia

Is this money news real?

Three prompts and a checklist that trace any money claim back to the regulator who owns it.

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Every Sunday, in the same order

Same shelf, same place, every week. You'll know where the tool is before you open the email.

The Take

One idea for the week, built on a public number and something that really happened.

The Desk

A rule or a world event. What changed, what it costs you, what to check. Then a verdict: matters, or noise.

The Toolkit

One working tool you keep. Free, no signup, nothing you type leaves your browser.

The Method

How a technique really works, with worked numbers, and the exact spot where it breaks.

Myth vs Reality

One money 'fact' your family group swears by, tested against the evidence. We always rule.

One Question

One prompt to end on. Hit reply. The best answers shape the next issue.

Two editions. Pick one, or both.

Sunday 8am IST

India

For Indian earners and investors, salaried or self-employed. Your money, and the world that keeps moving it, counted in rupees.

Read India issuesSubscribe2 issues so far
Sunday 9am CET

Corridor

For Indians in Europe, and the families and plans back home. Every item works on both ends of the corridor, in € and ₹, with the rate and the date.

Read Corridor issuesSubscribe2 issues so far
Who writes this

We read the circulars, the treaties and the fine print, so the maths reaches your EMI before the bank's letter does.

We're Team Chillar Theory. Every number is checked at its primary source: RBI, SEBI, CBDT, the ECB, Eurostat and the statistics office or regulator of each European country we write about. Get something wrong and we fix it at the top of the next issue, in public.

About usHow we verifyCorrections

Quick answers

How often does it land?

Every Sunday. The India edition at 8am IST, the Corridor edition at 9am CET. One email per edition, never more.

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