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Financial calculators
Choose a category and calculator below. Your existing calculations, charts, schedules and share links are preserved.
Step-Up SIP Calculator
📖 Background & Calculation Formula
A Step-Up SIP allows you to increase your monthly investment by a fixed percentage every year, matching your salary increments. The compounding formula applied is compound future value for monthly cash flows compounded monthly with annual step-ups.
Step-Up SIP Year-Wise Growth Schedule
| Year | Monthly Investment | Total Invested | Est. Returns/Gains | Total Corpus |
|---|
Fixed Deposit (FD) Calculator
📖 Background & Formula
Fixed Deposits grow via compound interest calculated as A = P(1 + r/n)^(nt). Banks in India typically compound interest quarterly for FDs.
Fixed Deposit Year-Wise Growth Schedule
| Year | Opening Balance | Interest Earned | Closing Balance |
|---|
Recurring Deposit (RD) Calculator
Quarterly Compounding📖 Background & Formula
Recurring deposits compound interest quarterly across varying deposit terms. Each monthly installment acts as a standalone short-term deposit.
Recurring Deposit Year-Wise Growth Schedule
| Year | Total Deposited | Interest Earned | Maturity / Balance Value |
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Monthly Income Scheme (MIS) Calculator
Fixed Payout📖 Background & Formula
Monthly Income Schemes pay fixed periodic interest directly to your account while preserving the original lump-sum principal.
Compound Interest Calculator
📖 Background & Formula
Compound interest generates earnings on both the initial principal and accumulated interest from previous periods.
Compound Interest Year-Wise Growth Schedule
| Year | Opening Balance | Total Invested (Cumulative) | Interest Earned | Closing Balance |
|---|
Loan Details
Live Amortization📖 Background & Amortization Formula
EMI is computed using E = [P × r × (1 + r)^n] / [(1 + r)^n - 1]. Early EMIs consist mostly of interest, gradually transitioning toward principal repayment.
Loan Amortization Schedule
Starts from .
| Period | Opening | EMI | Principal | Interest | Closing |
|---|
Home Loan Prepayment Strategy
📖 Background & Strategy
Making timely extra prepayments cuts down principal balance directly, dramatically saving heavy interest outgo over long tenures.
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Health & Term Insurance Calculator
Protection Planner📖 Background & Calculation Formula
Term Insurance: Calculated using income replacement (15x annual expenses) plus total liabilities.
Health Insurance: Factoring baseline healthcare inflation and urban medical costs (₹10L+ recommended for metros).
FIRE Planner
Rule of 25📖 Background & Rule of 25
FIRE relies on the 4% safe withdrawal rule (or 25x annual expenses). By accumulating 25 times your annual post-retirement expenses, your investments can sustain your lifestyle indefinitely.
Req. Monthly SIP: ₹0
Retirement Independence Planner
📖 Background & Strategy
Traditional retirement planning accounts for inflation-adjusted living expenses until life expectancy, ensuring a stress-free retired life.
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National Pension System (NPS) Calculator
With Pension Est.📖 Background & NPS Rules
NPS mandates at least 40% of the accumulated corpus to be utilized for purchasing an annuity (pension), while up to 60% can be withdrawn tax-free as a lumpsum.
Lumpsum Withdrawal: ₹0
Net Worth Calculator
📖 Background & Formula
Net Worth equals Total Assets minus Total Liabilities. It is the ultimate snapshot of your personal financial health.
Emergency Fund Calculator
📖 Background & Purpose
An emergency fund covers 3 to 12 months of essential living costs to safeguard against sudden job loss or medical contingencies.
Inflation Impact Calculator
📖 Background & Formula
Inflation erodes purchasing power over time. Future cost is calculated using Future = Present × (1 + r)^n.
Gratuity Calculator
Tax-Free Benefit📖 Background & Rules
Gratuity is a statutory financial benefit given by employers upon completion of 5 or more years of continuous service.
Income Tax Calculator (Old vs New)
FY 2026-27📖 Tax Regime Comparison Guide
Compare tax liabilities between the New Tax Regime (concessional slab rates with fewer deductions) and Old Tax Regime (higher tax slabs with traditional deductions).
Salary / CTC Structure Breakdown
📖 Background & CTC Anatomy
CTC (Cost to Company) comprises Basic salary, HRA, Provident Fund, gratuity, and special allowances split across monthly components.
In-Hand Salary Calculator
📖 Background & Net Salary
In-hand salary is what hits your bank account after mandatory deductions including Income Tax, Employee Provident Fund (EPF), and Professional Tax (PT).
HRA Exemption Calculator
📖 Background & Exemption Rules
HRA tax exemption is calculated as the minimum of: Actual HRA received, Rent paid minus 10% of basic, or 50%/40% of basic salary.
Capital Gains Tax Calculator
📖 Background & Tax Rates
Capital gains tax is levied on profits from selling investments. Equity LTCG above ₹1.25 Lakhs is taxed at 12.5%, whereas STCG is taxed at 20%.