Financial Calculators & Planners
Select an interactive utility below to forecast investment returns, calculate safety buffers, and align assets to your risk parameters.
Take-Home Pay Calculator
Estimate your actual in-hand net salary after accounting for EPF, standard deduction, and basic tax slabs.
Calculate Net SalaryTrue Hourly Wage Calculator
Find out how much you actually earn per hour after factoring in commute time and work-related expenses.
Calculate WageSavings Rate Calculator
Calculate your true savings rate and project how many years it will take to reach financial independence.
Calculate Savings RateVacation Budget Planner
Plan your next holiday by estimating total costs and determining your required monthly savings goal.
Plan VacationNet Worth Calculator
Calculate your total net worth by balancing your assets (cash, investments, property) against your liabilities (loans, debt).
Calculate Net WorthSalary Hike Calculator
Calculate your new CTC, absolute increment, and expected monthly take-home increase after a salary appraisal.
Calculate HikeDaily Habit Cost Calculator
Discover the massive long-term opportunity cost of small daily expenses like coffee, smoking, or eating out.
Calculate CostSubscription Cost Analyzer
Analyze the true annual and 10-year compounding cost of your recurring software and streaming subscriptions.
Analyze SubsSIP Calculator
Estimate compounding returns on monthly mutual fund SIP contributions over custom years.
Open CalculatorLumpsum Calculator
Calculate the growth of one-time capital allocations and lumpsum mutual fund deposits.
Open CalculatorRisk Profiler
Take a 7-question interactive risk assessment quiz to establish your risk profile and recommended asset allocation model.
Start QuizEmergency Fund Planner
Calculate your 3-month and 6-month financial liquidity buffers based on monthly recurring expenses.
Open PlannerInflation Calculator
Simulate how annual inflation erodes the purchasing power of your cash reserves and savings over long horizons.
Open EstimatorTax Regime Comparator
Compare estimated income tax liabilities under the FY 2025-26 New Regime vs. the Old Regime side-by-side.
Open ComparatorFinancial Health Checkup
Evaluate your savings rate, emergency reserve cushions, insurance protection status, and high-interest debt loads.
Start CheckupCompound Growth Curve Compare
Compare compounding returns of equities, index funds, Fixed Deposits, and savings accounts side-by-side.
Open CompareFinancial Goal Planner
Plan target wealth goals and calculate the exact monthly SIP contribution required to compound to your goal.
Open PlannerDemat & Brokerage Compare
Compare account fees, equity delivery, intraday brokerage, and AMC charges of top Indian discount brokers.
Open CompareFIRE Calculator
Calculate your target financial retirement corpus to hit early financial independence (FIRE) in India.
Open PlannerCapital Gains Tax Estimator
Estimate short-term (STCG) and long-term (LTCG) capital gains taxes on equity shares and mutual funds.
Open EstimatorSIP Delay Cost Calculator
Calculate the long-term compounding cost of postponing your monthly investments.
Open CalculatorStep-Up SIP Calculator
Model the massive wealth expansion of increasing your monthly contributions annually.
Open CalculatorPPF Calculator
Calculate interest growth and maturity yields for risk-free Public Provident Fund accounts.
Open CalculatorNPS Calculator
Estimate your National Pension System (NPS) maturity corpus, lump-sum payout, and monthly annuity.
Open CalculatorHome Loan Prepayment
Calculate interest savings and tenure reduction by making regular or part prepayments on your home loan.
Open CalculatorSWP Calculator
Model how withdrawing a fixed monthly income from your mutual fund corpus affects its longevity.
Open CalculatorFD & RD Calculator
Estimate returns and compound interest for Fixed Deposits and Recurring Deposits in India.
Open CalculatorELSS vs PPF vs NPS
Compare growth potential, lock-in rules, and tax treatments of 80C and 80CCD tax saving instruments.
Open ComparerCAGR Calculator
Calculate the Compound Annual Growth Rate (CAGR) and absolute gains of your stock or fund allocations.
Open CalculatorHRA Exemption
Calculate tax-free HRA exemptions under Section 10(13A) using basic salary, HRA, rent paid, and city type.
Open CalculatorSSY Calculator
Estimate maturity corpus and interest yields for the Sukanya Samriddhi Yojana girl child scheme.
Open CalculatorEMI Calculator
Estimate monthly Equated Monthly Installments (EMIs) and browse complete yearly amortization tables.
Open CalculatorGratuity Calculator
Estimate your eligibility and gratuity payout under the Payment of Gratuity Act, 1972.
Open CalculatorLumpsum vs SIP
Compare wealth outcomes of one-time lumpsum allocations against recurring monthly SIP deposits.
Open ComparerSimple vs Compound
Contrast simple flat-rate interest yields against daily, monthly, or quarterly compound periods.
Open CalculatorEPF Calculator
Estimate your retirement EPF corpus based on monthly basic salary, contributions, and annual increments.
Open CalculatorSCSS Calculator
Model quarterly interest payouts and maturity returns for the Senior Citizens Savings Scheme.
Open CalculatorNSC Calculator
Calculate guaranteed maturity returns for the 5-year National Savings Certificate post office scheme.
Open CalculatorLoan Comparison
Compare two loan offers side-by-side on EMI payouts, interest components, and overall costs.
Open ComparerChild Education Planner
Forecast inflation-adjusted college tuition costs and estimate the monthly SIP savings required.
Open PlannerHome Rent vs. Buy
Compare long-term net wealth outcomes of renting and compounding the difference vs. buying a home.
Open CalculatorTerm Insurance (HLV)
Compute your recommended term life insurance cover using the Human Life Value (HLV) method.
Open CalculatorAsset Allocation Planner
Suggest target investment distributions (Equity, Debt, Gold, Cash) based on age and risk profiles.
Open PlannerCar Buy vs. Lease/Cab
Compare owning a car against leasing or using ride-hailing cabs over a 5-7 year timeline.
Open CalculatorLifestyle Inflation
Model how creeping luxury expenditures inflate your future retirement targets and SIP values.
Open PlannerCompounding Rules
Visualize doubling, tripling, and quadrupling timelines in both nominal and real terms.
Open VisualizerDebt Payoff Planner
Compare Debt Snowball vs. Avalanche strategies to get out of debt faster.
Open PlannerPrepayment vs. Investment
Decide whether to prepay your home loan early or invest your monthly surplus in mutual funds.
Compare NowInflation-Adjusted FIRE
Determine your retirement nest egg target using custom pre- and post-retirement inflation parameters.
Plan Retirement50/30/20 Budget Planner
Create a balanced personal budget based on the 50% Needs, 30% Wants, and 20% Savings framework.
Plan BudgetInflation-Adjusted SWP
Calculate how long your retirement lump sum corpus will last with inflation-indexed monthly withdrawals.
Plan SWPLoan Refinance / Transfer
Calculate potential interest savings by transferring your loan to a lender with lower interest rates.
Check SavingsFD vs. Debt Fund Tax
Compare post-tax returns between Bank Fixed Deposits and Debt Mutual Funds under the current tax rules.
Compare TaxesEnvelope Budget Calculator
Allocate your monthly income into specific envelopes to ensure every rupee has a job in this zero-based budgeting tool.
Create BudgetFI Ratio Calculator
Track your Financial Independence Ratio by comparing your passive income and investment returns against your living expenses.
Calculate FI RatioDebt-to-Asset Ratio
Measure your financial health and leverage by comparing your total liabilities against your total assets.
Check HealthLiquid Net Worth Calculator
Strip away your illiquid assets to discover your true financial agility and deployable wealth.
Calculate LiquidityCoast FIRE Calculator
Find out if you can stop saving for retirement today. Check whether your current investments will compound on their own to hit your FIRE number.
Check Your Coast FIRE →Barista FIRE Calculator
Quit your stressful job and work part-time instead. Calculate the corpus you need when a flexible side income covers part of your expenses.
Plan Your Barista FIRE →Lean FIRE Calculator
Retire as early as possible on a minimalist budget. Calculate the smallest corpus that covers your essential living costs for life.
Calculate Lean FIRE →Fat FIRE Calculator
Retire early without sacrificing your lifestyle. Calculate the premium corpus needed to fund travel, dining, and luxury post-retirement.
Calculate Fat FIRE →Retirement Corpus Calculator
How much do you actually need to retire? Build your personalized nest egg target factoring in inflation, returns, and life expectancy.
Build Your Nest Egg →PMVVY Pension Calculator
Calculate guaranteed monthly pension income for your parents under the government-backed Pradhan Mantri Vaya Vandana Yojana scheme.
Calculate PMVVY Pension →VPF Contribution Calculator
Boost your retirement corpus with tax-free voluntary provident fund contributions. See how extra VPF compounds at 8.25% over your career.
Maximize Your VPF →Pension Commutation Calculator
Should you take a tax-free lump sum or keep your full monthly pension? Compare the trade-off before making an irreversible retirement decision.
Compare Lump Sum vs Pension →Leave Encashment Calculator
Turn your unused vacation days into tax-free retirement cash. Calculate your Section 10(10AA) exemption and taxable limits instantly.
Calculate Encashment →Annuity Payout Calculator
Design your own pension. Calculate the monthly income you'll receive from an annuity purchase, with options for principal refund and joint life cover.
Design Your Pension →Life Expectancy Calculator
Don't outlive your money. Estimate your statistical lifespan to set the right retirement withdrawal rate and annuity horizon.
Estimate Your Lifespan →4% Rule Withdrawal Calculator
Will your money last 30 years? Stress-test your retirement corpus using the Trinity Study's proven safe withdrawal rate framework.
Stress-Test Your Corpus →Superannuation Calculator
Your employer may be building a hidden pension for you. Track your corporate superannuation fund growth and tax-free withdrawal limits.
Track Your Superannuation →Retirement Gap Calculator
Are you saving enough? Find the exact gap between your retirement goal and your current trajectory — and how much extra SIP closes it.
Find Your Gap →Social Security Estimator
Worked in the US? Estimate your monthly Social Security retirement benefit and see how claiming age (62–70) impacts your lifetime payout.
Estimate Your Benefit →Post-Retirement Tax Calculator
Retirement doesn't mean zero taxes. Calculate your senior citizen tax liability on pension, FD interest, and mutual fund capital gains.
Optimize Retirement Taxes →Advertisement