Add multiple investments across asset classes. Calculator projects each to maturity and totals overall wealth.

Adjust any value — the live preview updates in 200ms.

Future value of one-time investment with compound annual growth.

Reverse calculator: how much monthly SIP is needed to reach a wealth target by a specific time.

EMI calculator for Home / Car / Personal loan with full amortisation schedule.

Annual SIP increase (e.g. salary hike) builds wealth faster.

Systematic Withdrawal Plan — withdraw fixed amount monthly from corpus while it earns returns.

How much corpus needed at retirement + recommended monthly SIP.

Fixed Deposit maturity with compounding. Banks usually offer Quarterly compounding.

Recurring Deposit — fixed monthly deposit with quarterly compounding (RBI standard).

How long until you reach ₹1 Crore (or any target) with current SIP?

Plan for child's college fees with education-specific inflation (typically 10-12%).

Recommended Sum Assured = present value of future earnings (HLV method).

Compare tax liability under both regimes. Std deduction auto-applied.

LTCG/STCG calculation for equity, MF, gold, debt. For real estate, use the dedicated Real Estate CG tab.

Property sale tax with full indexation, expenses, and exemptions — FY 2025-26 + Budget 2024 rules (post 23 Jul 2024).

Systematic Transfer Plan — park lumpsum in liquid fund, transfer monthly to equity.

National Pension System — 60% lumpsum + 40% annuity at age 60.

How much interest you save by partial pre-payment of loan.

Side-by-side comparison of two loan offers.

See how inflation erodes purchasing power over time.

Equity / Debt / Gold split based on age + risk profile (industry rule of thumb).

Simulate your wealth across major life milestones. Year-by-year projection with inflation-adjusted goals + gap analysis. Industry-first flagship.

Indian-law-compliant Will (Hindu Succession Act 1956 / Indian Succession Act 1925). Fill in details and generate a ready-to-print Will document in minutes. Industry-first flagship.

Pick affidavit type, fill details, get printable sworn affidavit with state-wise stamp paper guidance. Industry-first flagship.

Smart multi-goal planner with auto risk-profiling, asset allocation, and tax optimization. Industry-first AI flagship.

Annual declaration to avoid TDS on interest/dividend/withdrawal income. Auto-detects: 15G (age < 60) or 15H (age 60+).

Generate nominee addition/change letter for Bank / MF AMC / Insurance / Post Office / Demat. Up to 3 nominees with share %.

Generate death claim letter for Bank / LIC / Insurance / EPF / PPF / Mutual Fund / Demat. Includes required document checklist. Indian institution-wise formats.

Generate General or Special POA with custom powers checklist. Indian legal format — requires stamp paper + 2 witnesses + notarization.

Request update of name, address, mobile, email, bank, or nominee with AMC / RTA / Bank / Insurance / Post Office.

Letter to bank / NBFC for early closure of loan. Mention outstanding amount, reason, and request final settlement statement.

Standard 11-month rental agreement — under Indian Easements Act & respective state Rent Control Acts. 11-month tenure avoids mandatory registration (Sec 17 Registration Act).

Right to Information request to any public authority (Central / State govt department, PSU, PSU bank, etc.). Reply due in 30 days.

File a complaint against deficient goods/services. Jurisdiction by value: District ≤₹50 L · State ₹50L-₹2 Cr · National >₹2 Cr.

Surety bond for bail in criminal cases — to be furnished by a third party (surety) in favour of the accused. Print on appropriate stamp paper, sign before Notary/Magistrate.

Legal undertaking to compensate another party for any loss / damage / claim arising from a specific event or condition. Bank, insurance, AMC, govt offices often require this.

Application to SHO of nearest Police Station — for FIR registration, complaint filing, or NCR. Cognizable offences require FIR; non-cognizable get NCR.

Application to Tehsildar / SDM / Naib Tehsildar for issuance of income certificate. Required for scholarships, ration card, government scheme benefits, fee waivers, EWS certificate, reservation claims.

No Objection Certificate — 6 ready templates. Select type, fill issuer + recipient details, get formal NOC ready to print.

Character / Conduct Certificate — issued by employer, school/college, society RWA, or police authority. Required for jobs, college admissions, visa, gun licence, govt schemes.

Statutory demand notice to drawer of dishonoured cheque. Must be sent within 30 days of receiving bank's return memo. Drawer gets 15 days to pay. After that, complaint under Sec 138 can be filed in court within 30 days.

Application to Tehsildar / SDM / DM for proof of state residency. Required for: state quota college admission, govt job (state cadre), state schemes, scholarships, reservation claims.

Application to Municipal Corporation / Gram Panchayat / Registrar of Births & Deaths under Registration of Births & Deaths Act 1969. Required for school admission, passport, Aadhaar, marriage cert.

Application to Registrar of Marriages under Hindu Marriage Act 1955 / Special Marriage Act 1954 / Parsi / Christian / Muslim Personal Law. Required for joint accounts, visa, passport, property succession.

General-purpose pre-litigation legal notice. Establishes legal record of grievance + demand. Recipient gets 15-30 days to comply. Builds cause of action for civil/criminal suit. Send by Registered Post AD.

Immovable property transfer under Transfer of Property Act 1882. Sale Deed = absolute transfer + possession. Agreement to Sell = intent to sell (no transfer yet). Must be registered & on stamp paper.

Voluntary transfer without consideration under Transfer of Property Act 1882, Sec 122. Made out of love & affection. Donee must accept during donor's lifetime. Gifts to specified relatives are tax-exempt under Sec 56(2)(x).

CBSE Annexure-mandated TC format — 20+ fields. Sequential TC #, principal sign + school seal mandatory. ICSE/State boards bhi similar format me accept karte hain.

School-issued proof of enrollment. Common uses: passport application, bank account opening, scholarship application, visa, age proof for various government schemes.

12 different application types for parents and students — sick leave, TC request, fee waiver, name correction, and more. Select the type and fill in the fields.

School branded notice / circular template — for parents, students, or staff. The acknowledgement slip section is optional; attach it for important notices.

Branded fee receipts for CBSE / ICSE / State board schools — head-wise breakup, payment mode, and amount in words. Counterfoil included. Print on plain A4 or school letterhead.

पारंपरिक देसी प्रोनोट + रसीद प्रोनोट — स्थानीय धन उधार के लिए। Negotiable Instruments Act 1881, Sec 4 के अंतर्गत। ₹1 revenue stamp या ₹100 stamp paper (राज्यानुसार)। Limitation 3 वर्ष।

Landlord to tenant — formal notice to vacate premises. Required before filing eviction suit under state Rent Control Act. Grounds: rent arrears / lease expiry / sub-letting / damage / personal need.

When police refuses to register your FIR despite a cognizable offence being made out, file this petition before Judicial Magistrate u/s 156(3) CrPC. Magistrate can DIRECT police to investigate & register FIR.

Constitutional document of partnership firm — defines partners, capital, profit share, roles, dissolution. Optional registration with Registrar of Firms (recommended for legal protection). Stamp duty 1-2% of capital + ₹500-2,000 min.

Non-binding pre-contract framework. Captures parties' intent before formal agreement. Often used in JV, partnerships, vendor onboarding, business collaborations. Can be made binding by specifying so.

Transfer of Property Act 1882 Sec 105 — long-term lease (3-99 years) for commercial / residential / industrial property. Must be registered if > 1 year. Stamp duty varies by state & lease period.

When YOU receive a legal notice, you have right to reply within stipulated time. Reply denies/clarifies/counters claims. Send via Registered Post AD. Keep copy for evidentiary value. Silence may be construed as admission.

Request branch to close savings / current / NRO / NRE / FD account. Specify balance transfer instructions, unused cheque-book/ATM card return, KYC. Most banks process within 7-10 working days.

HUF is a separate tax entity under Income Tax Act — gets own PAN, basic exemption ₹2.5L, separate slab benefits, can own assets & investments. Created by deed declaring corpus & members. Karta (senior-most male/female coparcener) manages affairs.

Independent contractor / consultancy agreement. Covers scope of work, fees, payment terms, IP ownership, confidentiality, termination. Use for one-time projects or ongoing retainer. Notarization optional for added evidentiary value.

Uncontested divorce by mutual consent under Hindu Marriage Act Sec 13B. Both parties must be separated ≥ 1 year + agree mutually + no chance of reconciliation. Court grants decree after 6-month cooling period (waivable in some cases).

Pre-litigation warning to stop unauthorized acts immediately — IP infringement, trademark misuse, copyright violation, defamation, harassment, breach of NDA. Demands recipient stop activity + acknowledge in writing within X days, else legal action.

Application to Tehsildar / SDM for issuance of caste certificate (SC/ST/OBC/EBC). Required for reservation benefits — education quota, govt job, scholarships, scheme eligibility. Patwari + village-revenue official verify.

Codicil is a supplement to an existing Will — used to add bequests, change executor, alter clauses, or revoke specific provisions. Must follow same execution formalities as Will (signed by testator + 2 witnesses).

Adoption of child under Hindu Adoptions & Maintenance Act 1956 (for Hindus/Sikhs/Jains/Buddhists) OR Juvenile Justice Act 2015 (universal). Adopted child gets all rights of a natural-born child in adoptive family. Registration with Sub-Registrar recommended.

Formal agreement between individuals for money lending (vs Promissory Note which is unilateral). Defines repayment schedule, interest, security, default consequences. Indian Contract Act 1872 + Limitation Act 1963 govern. Stamp duty 0.1-0.2% of loan amount (state-wise).

Family settlement is voluntary distribution of joint/ancestral property between family members to settle existing/possible disputes. Recognized by SC: Kale v. Dy. DC (1976) — bona fide family arrangements are valid without registration in some cases. Tax-efficient — not a "transfer" under IT Act for HUF members.

Indian Trusts Act 1882 — formal constitution of public charitable / private / educational / religious trust. After registration, apply for 12AB (income tax exemption) + 80G (donor benefit) at Income Tax Dept. Stamp duty 0.5-2% of corpus (state-wise).

Calculate CGST + SGST (intra-state) or IGST (inter-state) split. Switch between "amount excludes GST" (add tax) vs "amount includes GST" (back-calculate).

Calculate your in-hand take-home from CTC. Auto-handles EPF (12% on Basic, capped ₹1,800), Professional Tax (state), and Income Tax (Old/New regime FY 2025-26).

Calculate exempt portion of HRA received. Lowest of: (1) Actual HRA, (2) Rent paid minus 10% of Basic, (3) 50% of Basic (Metro) / 40% (Non-Metro). Old Regime only.

Public Provident Fund — 15-year lock-in (extendable in 5-yr blocks). Tax-free interest + maturity. Sec 80C deduction. Max ₹1.5 lakh/year. Current rate: 7.1% p.a. (compounded annually).

State-wise stamp duty + registration fee for property purchase. Rates as per 2025-26 state acts. Women buyers / senior citizens get rebates in select states.

Girl child savings under Beti Bachao Beti Padhao. Account opened for girl below 10 yrs. Deposit for 15 yrs, matures 21 yrs from opening (or marriage after 18). Current rate 8.2% p.a. EEE tax status under Sec 80C.

Govt-backed pension scheme for unorganized sector. Age 18-40 join. Pay monthly contribution till 60. After 60, get fixed monthly pension ₹1k/2k/3k/4k/5k. Govt co-contributes for some subscribers.

Employee + Employer each contribute 12% of (Basic + DA). Employer's 12% splits: 8.33% to Employee Pension Scheme (capped on ₹15k basic) + rest to EPF. Current interest 8.25% p.a. (FY 25-26).

Lump-sum payment by employer to employee on resignation / retirement / death / disability — after completing 5 yrs continuous service (or 4yr+240 days). Formula: Last drawn (Basic+DA) × 15/26 × completed years (rounded). Max ₹20L tax-exempt.

Late filing of GSTR returns attracts daily late fee + 18% interest on tax outstanding. Capped: GSTR-3B/1 = ₹5,000 per return (₹1,000 for NIL). GSTR-9 = 0.25% of turnover (capped 0.5% of turnover). Annual return = ₹200/day.

Measure annualized return on any investment over a period — works for SIP/lumpsum/property/business/anything. Formula: CAGR = (End / Start)^(1/years) − 1.

EMI + comprehensive tax benefits. Sec 24(b): up to ₹2L interest deduction (self-occupied). Sec 80C: up to ₹1.5L principal deduction. Sec 80EEA: extra ₹1.5L interest for affordable housing (₹45L limit). Old Regime only.

Govt scheme for 60+ (or 55+ early retirees) — 8.2% p.a. (current rate, FY 25-26). Quarterly interest payout. 5-yr lock-in (extendable 3 yrs). Max ₹30L per individual. Sec 80C deduction. Interest taxable (TDS if >₹50k/yr).

Post office scheme — 5-year lock-in. Current rate 7.7% p.a. (compounded annually). Sec 80C deduction. Interest taxable but reinvested in first 4 yrs also qualifies for 80C. No max limit. Issued in multiples of ₹100.

Complete cost of vehicle ownership — EMI + insurance + processing fee + RTO + extended warranty. Most banks: 7-12% interest, 3-7 yr tenure. Down payment usually 10-20%.

For investments with irregular cashflows (SIP, lumpsum mix, partial redemptions). Add each cashflow with its date. Outflow = positive amount, Inflow/redemption = negative amount. Final value = today's value as negative.

Sec 80E: 100% interest deduction on education loan — no upper limit, available for 8 years from start of repayment OR till interest is fully paid (whichever earlier). Applicable to Old Regime only.

Compare property as investment vs FD/equity. Gross yield = (annual rent ÷ property price) × 100. Net yield = subtracts maintenance, property tax, vacancy losses. Indian residential property avg: 2-4% net yield.

Senior citizens (60+) pledge their self-occupied home to bank — bank pays monthly/lumpsum/lump+monthly. Owner retains possession. Loan repaid on death / sale by heirs (or default). Heirs can settle loan + interest to retain property.

Post Office savings — doubles your money in fixed period at sovereign guarantee. Current rate 7.5% (FY 25-26), doubling tenure 115 months (9 years 7 months). Premature withdrawal allowed after 2.5 years. NOT eligible for 80C.

Unsecured loan — banks/NBFCs charge 10-22% interest. Total cost = EMI × tenure + processing fee (1-3% upfront) + 18% GST + optional insurance. Use for emergency / consolidation / wedding / travel. Avoid for lifestyle.

5-year scheme. Pays monthly interest @ 7.4% p.a. (FY 25-26). Max ₹9 lakh individual / ₹15 lakh joint. Min ₹1,500. Principal returned at maturity. Interest fully taxable (TDS not deducted).

Government scheme for women / girls of all ages (no min age). 2-year fixed deposit at 7.5% p.a. compounded quarterly. Max ₹2 lakh per certificate. Partial withdrawal (40%) after 1 year. Sovereign guarantee. Available till 31 March 2025 (verify current availability).

Reverse EMI calc — given EMI capacity, find MAX loan amount. Banks use 40-50% of net income as max EMI (FOIR). Optimize for shorter tenure = less interest. Compare different tenures side-by-side.

EMI ke saath SIP karke loan jaldi chukane ki strategy. Spread (SIP return − loan rate) positive ho to SIP route better. Industry-first flagship.

Official Form 49A format. Fill all applicable fields → Generate → Print on A4 (both sides if long). Submit at PAN service centre with ₹107 fee + supporting documents.