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

Adjust any value — the live preview updates in 200ms. As on AMFI’s calculator: monthly rate = annual rate ÷ 12, instalment at the start of each month; a lumpsum compounds once a year. AMFI’s goal calculators assume end-of-month instalments, so a goal SIP entered here slightly over-reaches its goal (by one month’s growth).

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. As on AMFI’s Goal SIP calculator: monthly rate = annual rate ÷ 12, instalment at the end of each month; an existing lumpsum compounds once a year. AMFI’s SIP calculator assumes the start of each month, so this SIP, entered in the SIP calculator, slightly over-reaches the target (by one month’s growth).

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

A lump sum in hand before a big purchase: pay it down and borrow less, or invest it and borrow more?

Annual SIP increase (e.g. salary hike) builds wealth faster. As on AMFI’s calculator: monthly rate = annual rate ÷ 12, instalment at the start of each month; the SIP rises by the step-up % once every 12 months.

Systematic Withdrawal Plan — withdraw fixed amount monthly from corpus while it earns returns. As on AMFI’s SWP calculator: the corpus grows at (1 + annual rate)^1/12 − 1 a month and the withdrawal is taken at the end of each month.

How much corpus needed at retirement + the monthly SIP that builds it. As on AMFI’s Goal SIP calculator: monthly rate = annual rate ÷ 12, instalment at the end of each month.

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%). SIP: as on AMFI’s Goal SIP calculator: monthly rate = annual rate ÷ 12, instalment at the end of each month; the one-time amount compounds once a year.

Indicative cover need = present value of future earnings (HLV method). An estimate, not insurance advice; cover is sold only by IRDAI-licensed intermediaries.

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, exit at 60. Non-government subscribers may take up to 80% as lump sum (at least 20% buys an annuity); government subscribers up to 60% (at least 40% annuity). A corpus of ₹8 lakh or less (non-government) or ₹5 lakh or less (government) may be withdrawn in full. Only 60% of the corpus is tax-free. Accounts can continue up to age 85. Returns compound annually (monthly rate = (1+r)^(1/12) − 1).

How much interest you save by partial pre-payment of a loan made today. Choose whether the EMI stays the same (tenure shortens) or the tenure stays the same (EMI falls).

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.

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. Deposit deductible under the old regime (s.123 of the Income-tax Act 2025, old 80C). Max ₹1.5 lakh/year. Rate: 7.1% p.a. (Q3 FY 2026-27), interest on the lowest balance between the 5th and month-end, credited yearly.

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, mainly for the unorganised sector. Join between ages 18 and 40; pay monthly, quarterly or half-yearly till 60; from 60 get a fixed monthly pension of ₹1k/2k/3k/4k/5k. From 1 Oct 2022, anyone who is or has been an income-tax payer cannot join. The government co-contribution applied only to those who joined between 1 Jun 2015 and 31 Mar 2016, for FY 2015-16 to 2019-20, and has ended.

Employee + Employer each contribute 12% of (Basic + DA). Employer's 12% splits: 8.33% to Employee Pension Scheme (on basic up to ₹25,000 from 17-Sep-2026; ₹15,000 before) + rest to EPF. Interest 8.25% p.a. declared for FY 2025-26 (FY 2026-27 not yet declared).

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 × years of service, where a part-year of more than 6 months counts as a year. Fixed-term employees: eligible after 1 year, pro rata. Ceiling ₹20 L.

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 the annualised return on a single lumpsum held over a period (a one-time investment, a property, a business). For a SIP or any series of investments, use XIRR instead — CAGR assumes all the money went in on day one. Formula: CAGR = (End / Start)^(1/years) − 1.

EMI + tax benefits under the Income-tax Act 2025. Sec 22 (old 24(b)): up to ₹2L interest deduction (self-occupied). Sec 123 (old 80C): up to ₹1.5L principal deduction. Sec 131 (old 80EEA): extra ₹1.5L interest for affordable housing (₹45L limit, loan sanctioned 2019-2022). Old Regime only. Savings include the 4% cess.

Govt scheme for 60+ (or 55+ early retirees) — 8.2% p.a. (Q3 FY 2026-27, Oct–Dec 2026). Quarterly interest payout. 5-yr term, extendable in blocks of 3 years any number of times. Max ₹30L per individual. Deposit deductible under the old regime (s.123 of the Income-tax Act 2025, old 80C). Interest taxable; TDS by a bank or post office once interest in the year exceeds ₹1,00,000 for a senior citizen (s.393, Income-tax Act 2025; old 194A).

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 129 of the Income-tax Act 2025 (old 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. Saving includes the 4% cess. Moratorium interest is taken as simple interest.

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% (Q3 FY 2026-27, Oct–Dec 2026), 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. (Q3 FY 2026-27, Oct–Dec 2026). Max ₹9 lakh individual / ₹15 lakh joint. Min ₹1,000, in multiples of ₹1,000. 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. This scheme CLOSED to new deposits on 31 March 2025 and was not extended — the calculator is kept for accounts already open, which continue to earn 7.5% to maturity.

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.

Run a SIP alongside the EMI to clear a loan sooner. When the spread (SIP return − loan rate) is positive, the SIP route comes out ahead. Industry-first flagship.

Effective annual return if you hold a bond till maturity, factoring in coupon, current price (premium / discount to face value), and time to maturity. Higher YTM = better deal at current price.

Foreign travel mein cheapest mode kaun sa? Forex card (loaded INR→USD/EUR upfront, locked rate) vs Credit card (charges FX markup + GST + DCC). Plus ATM withdrawal fees calculation. Liberalised Remittance Scheme (LRS): TCS @ 20% on the part of the year's remittances above ₹10 lakh (threshold ₹10 L from 1 Apr 2025; education and medical remittances have their own lower rates).

Same investment amount, 3 paths: SGB (RBI bond, 2.5% interest on the issue price; no new issues since Feb 2024, so new buyers buy on the exchange; price gain tax-free only on redemption at maturity by the original subscriber), Digital Gold (online, 3% GST, no storage worry, instant liquidity), Physical Gold (jewelry/coins, making charges, locker fee, LTCG @ 12.5% > 24mo).

Section 192 (salary), 194C (contractor), 194I (rent), 194J (professional fees), 194H (commission), 194T (firm to partner). PAN furnished vs not (20% / actual rate). FY 2026-27 thresholds. From 1 Apr 2026 these sections live in the Income-tax Act 2025 at s.393; the old numbers are shown because that is what everyone still calls them.

EPS is separate from EPF — pension paid after age 58 to EPFO members. Formula: Monthly Pension = (Pensionable Salary × Service Years) ÷ 70. Pensionable salary is capped at ₹25,000 from 17-Sep-2026 (₹15,000 from 1-Sep-2014, ₹6,500 before) unless the higher-pension option was exercised; service in each period uses that period's ceiling. Min 10 yrs service for eligibility; 6 months or more counts as a full year.

Project the maturity value of a Traditional / ULIP plan after deducting standard 1.90% internal expense ratio.