Calculators to plan
with real numbers.

Estimate the future value of a monthly mutual-fund SIP in India. Plug in your SIP amount, expected return (8–12% historical equity), and horizon to see the corpus and gain split.

Project the future value of a SIP that grows every year with your income. A 10% annual step-up can roughly double the final corpus over 20 years vs a flat SIP. Calibrated for Indian equity returns.

How much monthly SIP do you need to reach ₹1 crore (or any target corpus) in your time horizon? Backsolves the SIP for Indian equity, debt, and hybrid mutual funds at your expected rate of return.

Estimate the future value of a one-time mutual-fund or fixed-income lumpsum in India. Enter principal, expected annual return, and horizon to see the corpus, total gain, and compounding split.

Plan a Systematic Withdrawal Plan from your mutual-fund corpus for steady monthly income. Find out how long the corpus lasts given a fixed monthly withdrawal and expected residual return.

Project combined returns from a mutual-fund SIP, lumpsum, and one-time top-ups in one calculator. Built for Indian equity, debt, hybrid, and ELSS funds with realistic return assumptions.

Financial Independence, Retire Early – for Indian families. Compute the corpus you need, the monthly SIP to get there, and your FIRE age. Adjusted for 6–7% Indian inflation, not US 3%.

Compute the Internal Rate of Return on any series of uneven cash flows – the right way to compare investments with irregular contributions or payouts, like real estate, PMS, or business equity.

Project maturity value and total interest from Sukanya Samriddhi Yojana, India's flagship girl-child savings scheme. 15-year contribution, 21-year maturity, current government rate, fully tax-free.

Calculate the 15-year PPF (Public Provident Fund) maturity value at the current government rate. Tax-free interest, ₹1.5L annual cap, eligible under Section 80C. Built for Indian salaried investors.

Project your Employees' Provident Fund corpus at retirement: your contribution + employer match + interest, with annual salary increments. Tax-free withdrawal after 5 years of service.

Senior Citizens Savings Scheme calculator – 5-year quarterly interest payouts at the current government rate, ₹30L investment cap, Section 80C-eligible. For retirees and pension planners.

Compute monthly EMI, total interest, and total payment for a car loan in India. Compare new vs used car loan rates, see the principal/interest split over the tenor, and stress-test prepayments.

Calculate monthly EMI, total interest, and the principal/interest mix over the loan tenor for a home loan in India. Stress-test how prepayments and rate changes shrink the tenor and total interest.

See how much interest and time you save by prepaying a lumpsum partway through your home loan. Compare keep-tenor (lower EMI) vs reduce-tenor (faster closure) outcomes for Indian home loans.

Compare the 10-year cost of renting vs buying a home in India. Factors in EMI, down-payment opportunity cost, property appreciation, maintenance, society charges, rent inflation, and equity buildup.

How much health insurance cover your Indian family actually needs – by age, city tier, family composition, existing employer cover, and medical inflation. Base + super-top-up sleeve recommendation.

The right term-life cover for your situation: income replacement + outstanding liabilities (home loan, car loan, education) + child-future buffer. Indian household formula, not American 10-12x salary.

Step-by-step guide to creating a Hindu Undivided Family (HUF) in India. Unlock up to ₹6.5L of additional tax-free income every year via a separate HUF PAN, deductions, and basic-exemption stacking.

Compare your tax liability under India's old and new tax regimes for FY 2025-26. Inputs: salary, HRA, 80C, 80D, home-loan interest, NPS. Picks the regime that saves you the most rupees.

Calculate your tax-exempt House Rent Allowance under Section 10(13A) of the Income-Tax Act. Inputs: basic salary, HRA component, rent paid, city (metro/non-metro). Shows the smallest-of-three result.

Which Section 80C slots to fill first to maximise your ₹1.5 lakh annual deduction: ELSS, PPF, EPF, life insurance premium, home loan principal, SSY. Optimised for return, lock-in, and liquidity.

Long-term capital gains tax on equity, debt, gold, and property in India with the 2024 Budget rate changes built in (12.5% on equity beyond ₹1.25L exemption, 20% with indexation withdrawn on property).

Compute India's quarterly advance-tax instalments (15% by Jun 15, 45% by Sep 15, 75% by Dec 15, 100% by Mar 15) for salaried, business, freelance, and presumptive taxpayers. Avoid 234B/C interest.

Generate signed and stamped rent receipts for HRA tax claims in India – monthly, quarterly, or annual. Printable PDF with landlord PAN slot (required if annual rent exceeds ₹1 lakh).