Money books by Koustav Biswas

English · 150 pp

The Multibagger Code

The anatomy of 100x wealth creators in emerging markets.

English · 150 pp

HOW MUCH DO YOU ACTUALLY NEED TO RETIRE?

Retirement corpus planning for Indian households.

English · 150 pp

The Launchpad Architecture (Ages 18–25)

First Salary Blueprint, Paycheck Tax Planning, Credit Scores & Equity Index Compounding

English · 10 pp

My First Money Book for 5-Year-Olds

Fun Gullak Savings Games, Coin Counting & Needs vs. Wants Puzzles

English · 10 pp

My First Money & Habit Adventure

English · 20 pp

Junior Banker OS: The Smart Saver Journal (Ages 6–7)

Raising Financially Smart, Mindful Kids in a Digital World | Early Childhood Activity Workbook

English · 20 pp

The Junior Banker & Smart Saver Journal (Ages 6–7)

English · 20 pp

Junior Entrepreneur OS: My First Business & Money Smart Journal (Age 8)

Raising Financially Smart, Creative Kids | Micro-Business, Ad Literacy & Unit Pricing Workbook

English · 20 pp

Digital Banking & Cyber Safety Roadmap (Age 9)

A Practical Applied Economics & Digital Literacy Curriculum for Primary Students

English · 20 pp

Assets, Inflation & Net Worth Management Roadmap (Age 10)

A Practical Applied Economics & Math Curriculum for Elementary Students

English · 20 pp

Middle School Fintech & Market Foundations Roadmap (Age 11)

A Practical Applied Economics & Math Curriculum for Pre-Teens

English · 20 pp

Middle School Financial Math & Applied Economics Roadmap (Age 12)

A Practical Applied Mathematics & Consumer Literacy Curriculum for Class 7

English · 20 pp

Middle School Financial Algebra & Applied Economics Roadmap (Age 13)

A Practical Applied Mathematics & Financial Literacy Curriculum for Class 8

English · 20 pp

High School Financial Economics & Market Valuation Roadmap (Age 14)

A Practical Applied Mathematics & Capital Markets Curriculum for Class 9

English · 20 pp

Teen Investor OS: CIBIL Scores, Taxes & Net Worth for Age 15

Credit Scores, Capital Gains Tax & Personal Balance Sheet Games for Teens

English · 20 pp

Young Adult Financial Literacy & Economic Launchpad (Ages 16–17)

A Practical Applied Economics & Personal Finance Curriculum for Higher Secondary Students

English · 150 pp

The Prime Wealth & Freedom Architecture

A Step-by-Step System to Build Financial Independence, Automate Assets, and Reclaim Your Time

English · 150 pp

The Prime Wealth & Freedom Architecture (Ages 50–65)

A Strategic Blueprint for Securing Capital, Generating Income, and Achieving Financial Freedom Before Retirement

English · 50 pp

Banking, Credit & Tax Architecture

Salary accounts, credit cards, credit scores and the tax regime choice that shapes your first years of earnings.

English · 60 pp

The Psychology of Early Independence

How early money habits, lifestyle inflation and peer pressure quietly decide the shape of your finances.

English · 50 pp

The Equity & Investment Engine

How shares and mutual funds work as a long-term engine — units, costs, dividends and compounding, from zero.

English · 50 pp

The 10-Year Launchpad Vault

A ten-year structure for the first salary: emergency fund, goal buckets, SIPs and the milestones in between.

English · 50 pp

Career ROI, Gigs & Big Purchases

Degree cost against earning, gig income, and the maths behind a car, a bike or a first loan.

English · 50 pp

Strategic Debt Elimination & Credit Optimization

Home loans, personal loans and credit cards ranked by real cost, with a repayment order and a payoff timeline.

English · 50 pp

The Core-Satellite Equity Portfolio

Splitting a portfolio into a steady core and smaller satellite holdings, with rebalancing bands and cost control.

English · 10 pp

The Emergency Vault & Job Transition Defense

Building a cash reserve sized to survive a layoff, a career switch or a gap between two incomes.

English · 50 pp

Real Estate & Home Loan Mathematics

Rent versus buy, tenure versus EMI, and the true all-in cost of a property purchase in India.

English · 50 pp

High-Net-Worth Tax Optimization in India

Old versus new regime, exemptions, capital-gains treatment and the filing calendar for higher income brackets.

English · 50 pp

The Mid-Career Financial Crossroads

When income rises but net worth stalls — auditing commitments, dependants and the next ten years.

English · 50 pp

The Multi-Bucket Income Engine

Turning savings into several income streams — dividends, SWP, deposits and rent — with a withdrawal order.

English · 50 pp

Funding Children’s Education & Life Milestones

Education cost inflation, milestone timelines and matching each goal to the right funding horizon.

English · 50 pp

Comprehensive Risk Engineering & Insurance

Term cover, health cover and income protection sized to your dependants, with a policy review checklist.

English · 10 pp

The Executive Tax Arbitrage & Cash-Flow Roadmap — Tax Year 2026-27

Old vs new regime, Sec 123 (old 80C) and NPS checklists, and tax-free gains harvesting.

English · 10 pp

The 3-Bucket Wealth & Compounding Planner — FY 2026-27

Emergency runway, home-loan prepay vs SIP, bonus deployment and a 12-month net-worth tracker.

English · 50 pp

High-Net-Worth Tax Optimization in India (FY 2026-27)

Regimes, capital gains, harvesting and asset location recalculated for the Income-tax Act, 2025.

English · 50 pp

The Retirement Corpus Sinking Fund

Working backwards from a target monthly income to the corpus, the saving needed and the assumptions behind both.

English · 50 pp

De-coding the FIRE Framework in India

Financial independence in rupees — the savings rate, the withdrawal number and what makes either one hold.

English · 50 pp

Safe Withdrawal Rates & the 3-Bucket Strategy

How long a corpus can last, what a safe withdrawal rate actually means, and the three-bucket structure behind it.

English · 50 pp

The 50-Year Wealth Legacy Roadmap

A multi-decade structure for asset transfer, beneficiary discipline and keeping wealth intact across generations.

English · 50 pp

Estate Planning, Wills & Trust Architecture

Wills, nomination, probate and trust structures — what each document actually does under Indian law.

English · 50 pp

The Transition Mindset & Sequence of Returns Risk

Why the order of returns, not their average, decides whether a retirement corpus survives.

English · 50 pp

Inflation Modelling for Senior Living & Healthcare

Why a retiree’s inflation rate differs from the headline rate, and how medical costs change the picture.

English · 50 pp

SWP vs Fixed Deposits: The Retirement Cash-Flow Engine

How systematic withdrawal plans compare with fixed deposits on tax, costs and withdrawal rates.

English · 50 pp

The Sovereign Income Floor: SCSS, POMIS & Government Schemes

Senior Citizens’ Savings Scheme, Post Office MIS and RBI Floating Rate Bonds, with laddering and TDS rules.

English · 50 pp

NPS Exit Strategies & Annuity Selection Maths

NPS exit rules, the tax on the lump sum, annuity variants and their break-even points.

English · 50 pp

Health Insurance Portability, Top-Ups & Super Top-Ups

Leaving group cover safely, portability, and the base plus super top-up structure after 60.

English · 50 pp

The Critical Care Emergency Reserve

What health insurance does not pay, and how to size and keep a dedicated medical reserve.

English · 50 pp

Tax Arbitrage for Retirees

Old vs new regime for senior citizens and how each retirement income is taxed under the Income-tax Act, 2025.

English · 50 pp

Monetising Real Estate: Reverse Mortgages & Alternatives

How reverse mortgages work in India and how they compare with downsizing, renting out and loans against property.

English · 50 pp

Wills, Joint Accounts & Nomination vs Legal Heirship

Why a nominee is not an owner, joint-account modes, bank claim settlement and drafting a valid will.

English · 50 pp

Private Family Trusts & Elder Protection Laws

When a will is not enough — trust structures, special-needs dependants and the Senior Citizens Act.

English · 50 pp

The Retirement Execution Playbook

A 90-day pre-retirement roadmap, first-year calendar, annual review ritual and readiness check.

English · 10 pp

The Sequence-of-Returns & 3-Bucket Retirement Cash-Flow Engine

A spend-refill-compound bucket system stress-tested against four return paths.

English · 60 pp

The Concentration Dilemma & the Entrepreneur’s Fallacy

Why successful business owners are often the most financially fragile people in the room.

English · 60 pp

The Two-Balance-Sheet Architecture

Operating company vs family estate — how to separate business risk from family wealth.

English · 50 pp

Personal Guarantees: Stopping the Contagion

Ring-fencing family assets from business debt, updated for the IBC (Amendment) Act, 2026.

English · 60 pp

Remuneration Engineering: Salary, Dividend, Buyback & Retained Earnings

The ways to take money out of your company and how each one is taxed.

English · 50 pp

Business Expenses vs Tax Scrutiny

Related-party payments, the arm’s-length defence file and faceless assessment.

English · 50 pp

Renting Property & IP to Your Own Company

Leasebacks, royalties and the insolvency firewall.

English · 150 pp

Demat Forensic & Lost Wealth Recovery

Unclaimed dividends, IEPF claims, dematerialising old share certificates and transmission to heirs.

English · 150 pp

The HUF Dissolution & Partition Manual

Winding down an HUF, dividing assets and post-partition tax planning.

English · 150 pp

The Sudden Wealth Architecture

Managing windfalls, ESOP payouts, startup exits and land sales without losing the money.

English · 150 pp

The Senior Citizen Health & Longevity Balance Sheet

Cash-flow planning for a 30-year retirement, dementia care and long-term care costs.

English · 150 pp

Cross-Border Wealth Repatriation & FEMA

Residential status, LRS, TCS, Forms 15CA/15CB, NRE/NRO/FCNR accounts and bank compliance (October 2026 edition).

English · 10 pp

The NRI Indian Asset & Repatriation Navigator

Residency status, NRE/NRO/FCNR, Form 128 lower TDS and Form 145/146 repatriation.

English · 10 pp

The Estate, Succession & Family Asset Vault (Fillable)

One binder for accounts, policies, nominees and the first 30 days for your family.

Hindi · 150 pp

द ग्लोबल NRI फ़ाइनेंशियल मास्टरवर्क (Hindi)

The Global NRI Financial Masterwork in Hindi — cross-border wealth, Indian tax, FEMA and estate planning.

Bengali · 160 pp

দ্য গ্লোবাল NRI ফিনান্সিয়াল মাস্টারওয়ার্ক (Bengali)

The Global NRI Financial Masterwork in Bengali — cross-border wealth, Indian tax, FEMA and estate planning.

Bengali · 150 pp

প্রাইম ওয়েলথ ও ফ্রিডম আর্কিটেকচার

The Prime Wealth & Freedom Architecture in Bengali.

Hindi · 150 pp

प्राइम वेल्थ एंड फ़्रीडम आर्किटेक्चर

The Prime Wealth & Freedom Architecture in Hindi.

English · 150 pp

The Wealth Architecture

Compounding, asset allocation and behavioural discipline over decades.

English · 150 pp

The Price Action Code

Market geometry, order flow and risk architecture, from novice to advanced.

English · 50 pp

Risk Management & System Failure

Position sizing, drawdown control and the failure modes that break a trading system.

English · 150 pp

The Sovereign Founder Architecture

Personal balance sheets, cash-flow engines and multi-generational wealth for entrepreneurs.

English · 150 pp

The Global NRI Financial Masterwork

Cross-border wealth, Indian taxation, FEMA rules and estate planning for NRIs.

English · 150 pp

The Institutional Financial Analyst Prompt Vault

81 ChatGPT & Claude prompts for forensic accounting, reverse DCF and earnings-call analysis of Indian companies.

English · 150 pp

The Architecture of Clarity

High-performance mental models, asymmetric leverage and the art of decoupled freedom.

English · 18 pp

The Price Action Code: 18-Point Trade Journal & Process Audit Workbook

A fillable journal tracking R-multiples, MAE/MFE and rule discipline — not just P&L.