https://softquilllabs.com/resources/ SoftQuill Labs is an independent software studio in Bengaluru. We make calm, private apps for Android and the web, publish free guides with numbers you can check, and build apps and websites for clients. en-in Sun, 25 Oct 2026 00:00:00 GMT https://softquilllabs.com/resources/rent-vs-buy-flat-india-break-even/ https://softquilllabs.com/resources/rent-vs-buy-flat-india-break-even/ Sun, 25 Oct 2026 00:00:00 GMT Raman Patel Personal Finance A transparent rent-vs-buy model for an ₹80 lakh flat: what price growth you need for buying to beat renting and investing the difference. https://softquilllabs.com/resources/store-money-as-paise-not-floats/ https://softquilllabs.com/resources/store-money-as-paise-not-floats/ Tue, 20 Oct 2026 00:00:00 GMT Raman Patel Engineering Why floating-point numbers break money maths in apps, with real examples, and the integer-paise approach with Kotlin code that avoids rounding drift. https://softquilllabs.com/resources/smartha-vs-vaishnava-ekadashi-which-day/ https://softquilllabs.com/resources/smartha-vs-vaishnava-ekadashi-which-day/ Thu, 15 Oct 2026 00:00:00 GMT Raman Patel Tradition Why calendars sometimes show Ekadashi on two consecutive days. How Smartha and Vaishnava traditions decide, what Dashami viddha and Hari Vasara mean. https://softquilllabs.com/resources/floating-rate-home-loan-reset-emi-or-tenure/ https://softquilllabs.com/resources/floating-rate-home-loan-reset-emi-or-tenure/ Tue, 13 Oct 2026 00:00:00 GMT Raman Patel Personal Finance When your floating home loan rate rises, your lender either lengthens the tenure or raises the EMI. A worked ₹40 lakh example shows which costs less. https://softquilllabs.com/resources/cibil-score-calculation-formula-ranges/ https://softquilllabs.com/resources/cibil-score-calculation-formula-ranges/ Mon, 12 Oct 2026 00:00:00 GMT Raman Patel Credit & Banking How TransUnion CIBIL calculates your credit score (300–900). Learn the 5 score factors, the 30% utilization rule, score ranges, and why a 747 vs 750 costs lakhs. https://softquilllabs.com/resources/home-loan-emi-formula-worked-example/ https://softquilllabs.com/resources/home-loan-emi-formula-worked-example/ Fri, 09 Oct 2026 00:00:00 GMT Raman Patel Personal Finance How a home loan EMI is calculated, step by step, with a ₹40 lakh, 8.5%, 20-year example. See why 81% of your first-year EMIs go to interest. https://softquilllabs.com/resources/gemini-4-argon-what-it-means-solo-builders/ https://softquilllabs.com/resources/gemini-4-argon-what-it-means-solo-builders/ Thu, 08 Oct 2026 00:00:00 GMT Raman Patel AI News Google announced Gemini 4 Argon with a 1M-token output window and enterprise pricing. You can't use it yet — here's the honest breakdown for solo builders. https://softquilllabs.com/resources/how-to-become-debt-free-india/ https://softquilllabs.com/resources/how-to-become-debt-free-india/ Sun, 04 Oct 2026 00:00:00 GMT Raman Patel Personal Finance Learn how to become debt-free in India with seven practical steps to manage EMIs, repay credit cards, plan your budget, and avoid new borrowing. https://softquilllabs.com/resources/personal-loan-vs-gold-loan-vs-credit-card-emi/ https://softquilllabs.com/resources/personal-loan-vs-gold-loan-vs-credit-card-emi/ Thu, 01 Oct 2026 00:00:00 GMT Raman Patel Personal Finance Compare Gold Loans, Personal Loans, and Credit Card EMIs in India: interest rates, fees, and hidden charges to find the lowest-cost borrowing option. https://softquilllabs.com/resources/running-local-ai-models-on-mobile/ https://softquilllabs.com/resources/running-local-ai-models-on-mobile/ Thu, 01 Oct 2026 00:00:00 GMT Raman Patel App Engineering Discover how modern Small Language Models (SLMs) running locally on phone silicon deliver zero-latency intelligence, total privacy, and offline freedom. https://softquilllabs.com/resources/zero-percent-balance-transfer-cards/ https://softquilllabs.com/resources/zero-percent-balance-transfer-cards/ Thu, 01 Oct 2026 00:00:00 GMT Raman Patel Credit & Debt How 0% APR balance transfer cards work: calculate if the 3%–5% transfer fee is worth it, find true $0 balance transfer fee cards, and avoid deferred interest. https://softquilllabs.com/resources/hysa-vs-paying-off-debt/ https://softquilllabs.com/resources/hysa-vs-paying-off-debt/ Wed, 30 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Should you keep extra savings in a 4.5% High-Yield Savings Account (HYSA) or pay down your 6.5% mortgage and car loans? Here is the tax-adjusted math. https://softquilllabs.com/resources/local-first-mobile-architecture/ https://softquilllabs.com/resources/local-first-mobile-architecture/ Wed, 30 Sep 2026 00:00:00 GMT Raman Patel App Engineering An honest developer essay on why modern utility apps should store your data locally on your device rather than sending it to a remote cloud server. https://softquilllabs.com/resources/nirjala-ekadashi-rules-and-significance/ https://softquilllabs.com/resources/nirjala-ekadashi-rules-and-significance/ Wed, 30 Sep 2026 00:00:00 GMT Raman Patel Living & Tradition How to observe Nirjala Ekadashi: water restrictions, fasting rules, health precautions, and practical alternatives for working devotees. https://softquilllabs.com/resources/how-extra-payments-save-thousands/ https://softquilllabs.com/resources/how-extra-payments-save-thousands/ Tue, 29 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Discover how small extra principal payments fundamentally change your loan amortization schedule, saving you tens of thousands of dollars in interest. https://softquilllabs.com/resources/how-to-break-ekadashi-fast-parana-guide/ https://softquilllabs.com/resources/how-to-break-ekadashi-fast-parana-guide/ Tue, 29 Sep 2026 00:00:00 GMT Raman Patel Living & Tradition How to complete an Ekadashi fast correctly: Parana timing windows, Dvadashi rules, Hari Vasara, and gentle sattvic foods to break the fast. https://softquilllabs.com/resources/how-to-prepay-home-loan-india/ https://softquilllabs.com/resources/how-to-prepay-home-loan-india/ Tue, 29 Sep 2026 00:00:00 GMT Raman Patel Personal Finance A practical Indian guide to prepaying home loans. Learn how 1 extra EMI a year saves ₹8.7+ Lakhs, whether to reduce tenure or EMI, and RBI prepayment rules. https://softquilllabs.com/resources/debt-snowball-vs-avalanche/ https://softquilllabs.com/resources/debt-snowball-vs-avalanche/ Mon, 28 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Debt snowball vs debt avalanche compared with exact numbers: see which method saves more money, which pays off debt faster, and how to choose the right strategy. https://softquilllabs.com/resources/ekadashi-fasting-tithi-science/ https://softquilllabs.com/resources/ekadashi-fasting-tithi-science/ Mon, 28 Sep 2026 00:00:00 GMT Raman Patel Living & Tradition A beginner's guide to Ekadashi fasting: what foods you can eat, why dates differ between India and the US/UK, and how to break the fast correctly. https://softquilllabs.com/resources/emergency-fund-guide-indian-salaried/ https://softquilllabs.com/resources/emergency-fund-guide-indian-salaried/ Mon, 28 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Emergency fund guide for Indian salaried employees: how much to save, where to park the money safely, and why credit cards are not a substitute. https://softquilllabs.com/resources/cibil-score-how-to-improve-750/ https://softquilllabs.com/resources/cibil-score-how-to-improve-750/ Sun, 27 Sep 2026 00:00:00 GMT Raman Patel Credit & Banking A practical Indian roadmap on how to increase your CIBIL score from 500 or 600 to 750+. See recovery timelines, the 30% utilization rule, FD cards, and quick fixes for borderline scores like 747. https://softquilllabs.com/resources/credit-card-minimum-due-trap-india/ https://softquilllabs.com/resources/credit-card-minimum-due-trap-india/ Sun, 27 Sep 2026 00:00:00 GMT Raman Patel Personal Finance Discover how the 5% Minimum Amount Due on Indian credit cards traps you in 42% annual interest and 18% GST. See real numbers and how to break free quickly. https://softquilllabs.com/resources/credit-card-statement-date-vs-due-date/ https://softquilllabs.com/resources/credit-card-statement-date-vs-due-date/ Sun, 27 Sep 2026 00:00:00 GMT Raman Patel Credit & Debt Learn the secret difference between your credit card statement closing date and payment due date, and how paying early drops your credit utilization ratio.