Calculators That Show Their Work

Monthly investment + expected return → final corpus.

One-time investment compounded over time.

Compute CAGR from start/end values, or project compound growth.

Maturity, after-tax returns, rollover simulator, and FD ladder — with live rates from 25 Indian banks.

SIP with an annual top-up rate — see how stepping up 10% per year transforms your final corpus vs a flat SIP.

Recurring Deposit maturity, milestone timeline, and after-tax returns with TDS guidance.

Systematic withdrawal — how long does your corpus last? Inflation-adjusted real value shown year by year.

True annualised return on investments with irregular dates and amounts — enter your actual buy/sell history.

Bought the same stock at different prices? Get your actual average cost across all tranches.

Strip inflation and income tax from your nominal returns. FD at 7.5% → +0.23% real for 30% bracket savers. Three modes: real return meter, retirement reality check, asset comparison.

Quarterly data: CPI inflation, SBI FD, 10Y G-Sec, PPF, and post-tax real returns at 30% slab. See when Indian savers actually lost purchasing power.

I want ₹1 crore in 15 years — what monthly SIP do I need? Works for any target corpus.

Tell us your corpus (₹5L–₹3Cr) and risk level — get a category-by-category allocation split across FD, PPF, equity, gold, SIF, PMS, and more.

Total property cost, down payment source, prepayment and Section 24(b) tax benefit — the full picture.

Loan amount, rate, tenure → EMI and total interest paid.

Indicative starting rates from 30+ banks and NBFCs for new and used cars. Filter by PSU, private, NBFC, and SFB.

State-wise road tax, registration charges, and BH-series eligibility guide for new car buyers.

4-tab calculator: EMI, prepayment, affordability, and balance transfer — with 25-lender rate comparison.

Indicative rate ranges for 25 banks and NBFCs with official source links and pre-fill to EMI calculator.

Should you foreclose your home loan or invest the extra money? Side-by-side post-tax comparison for your actual loan terms.

Lenders quote flat rates to make loans look cheaper. See the true effective rate and the EMI difference.

How much home loan can you actually get? Enter your monthly income, existing EMIs, and lender's FOIR — see eligible loan amount, EMI, and property value.

15-year corpus with current rate and yearly contribution.

Employee + employer contributions, salary growth, retirement age.

Tier-I corpus, annuity split, and effective post-tax pension.

For Central Government employees: compare market-linked NPS against assured, inflation-indexed UPS pension. Side-by-side monthly income, lump sum, and family benefits.

Same salary, same retirement age — which gives you more? Side-by-side corpus, pension, and post-tax comparison.

Daughter's age, monthly or yearly deposit, maturity payout with year-by-year table.

Quarterly income at 8.2% on your deposit. See exact quarterly payout, after-tax breakdown, and premature closure penalty.

Year-by-year compounding table, 80C breakdown across all 5 years, and live comparison vs PPF, SCSS, KVP, and tax-saving FD. Sourced from G.S.R. 919(E).

KVP calculator 2026 at 7.5%: exact maturity value (doubles in 115 months), premature closure calculator (3-tier gazette rules), and post-tax comparison vs NSC, PPF, and tax-saving FD. Sourced from KVP Scheme 2019 gazette.

Monthly contribution by age and target pension. Full PFRDA chart, reverse calculator, eligibility rules, and tax benefits.

7.4% monthly income: enter deposit → get gross + after-tax breakdown, premature closure penalty, reverse calculator, and honest SCSS/FD comparison.

7CPC pay levels, UGC academic scales, CPSE IDA executive grades, and RBI/SEBI/NABARD/IRDAI — full salary breakdown with basic, DA, HRA, TA, NPS deduction, and year-by-year progression.

10,000 simulated careers, not one flat rate. See the full distribution — fan chart, P5–P95 bands, and milestone probabilities (₹50L, ₹1Cr, ₹2Cr) — across 4 career archetypes.

Enter your CTC, adjust basic %, HRA, bonus, and state. See gross salary, every deduction (PF, professional tax, income tax), and monthly take-home. Old vs new tax regime comparison included.

Compare two offers side-by-side with CTC, ESOPs, variable pay, joining bonus clawback, commute cost, tax regime, and cost-of-living adjustment. See which truly pays more.

Model grant, vesting, exercise, and sale. See perquisite tax at exercise, capital gains at sale, and net proceeds after all taxes. For listed and unlisted companies.

Got a hike? See your new in-hand salary, tax increase, marginal slab jump warning, and the real percentage increase vs the nominal CTC hike.

Calculate tax on leave encashment for government and private employees. Compare retirement, resignation, and death scenarios. Includes ₹25L exemption limit.

Calculate last working day, gratuity eligibility, severance pay for layoffs, and what you receive in resignation vs termination vs layoff scenarios.

Complete state-wise reference for all 28 states + UTs: rates, slabs, exemptions, and a quick calculator for your salary and state.

Will your EPF, NPS, and gratuity replace enough of your final salary? See your replacement ratio, the gap, and how much more you need to save.

Convert an employee's CTC into the equivalent consultant hourly, daily, and monthly rate after GST, costs, and risk premium.

Central government employee? Enter your 7th CPC level and basic pay, pick a fitment factor, and see your projected salary and pension under the 8th CPC.

Section-wise ITR calculator (Schedules S, HP, CG, PGBP, OS, VIA) with Form 16 Part B mapping. Salary, capital gains (post-Budget 2024 rates), and 44ADA presumptive income. All deductions: 80C, 80D, HRA, home loan, 80CCD(2). Surcharge, 87A rebate, live comparison. FY 2025-26.

Equity, debt funds, real estate, gold — STCG and LTCG post-FY25 rule changes. Indexation removed for property: see the real impact.

Renting with HRA exemption vs buying with Sec 24(b) interest deduction and Sec 80C principal — full post-tax comparison including opportunity cost of down payment.

Years of service + last-drawn salary → gratuity amount and exemption limit.

Add all your assets (equity, debt, EPF, gold, real estate, and more), get an instant diversification score, and let AI identify concentration risks and gaps specific to your portfolio.

Enter today's monthly expenses → see your inflation-adjusted retirement corpus, what it means in today's money, 5 FIRE variants (Coast, Lean, Fat, Barista, Regular), decumulation simulator, and step-up SIP planner.

What if you had started 5 years earlier? Slider shows the exact corpus you give up for every year you wait.

Monthly expenses, job stability, dependants → recommended fund size, and how to split across savings account, liquid fund, and short-term FD.

Personal net worth and proprietorship balance sheet in the standard Indian format. Per-asset WDV depreciation, capital account, download as PDF. Privacy-first — nothing leaves your browser.

How much life cover does your family actually need? Three methods: 20× expense rule, expense replacement (Ditto methodology), and HLV. Side-by-side comparison with IRDAI cap check and lump sum vs monthly income analysis.

How much does a Specialised Investment Fund's 2%+ TER and performance fee cost you vs a regular MF? Year-by-year rupee drag across all 21 Indian SIF strategies.