Financial Calculators
Twenty+ calculators, proper formulas, zero fluff. Run your SIPs, loans, pensions, and tax - and see the math before you make the decision.
Mutual fund tools
SIPs, lumpsum, step-ups, goal planning and withdrawals.
Planning & analysis
Smarter habits, bigger-picture life-money decisions.
Banking & loans
FD, RD, EMI, simple and compound interest.
Retirement, tax & protection
Government savings, retirement, insurance and TDS.
SIP Calculator
Project the future value of a systematic investment plan.
Lumpsum Calculator
Growth of a one-time investment over time.
Step-Up SIP
SIP that grows by a fixed % every year, most realistic for rising incomes.
Monthly SIP Planner
Work backwards from a target corpus to the SIP you need.
Goal Calculator
Inflation-adjusted target + required SIP to get there.
SWP Calculator
Systematic withdrawal - how long a corpus lasts given monthly withdrawals.
SIP + SWP Lifecycle
Grow your money with a monthly SIP, then switch to withdrawing a fixed amount every month.
FD Calculator
Fixed-deposit maturity with quarterly compounding (standard Indian bank practice).
Bonds vs. Bank FD Calculator
Compare returns of high-yield corporate bonds with traditional bank fixed deposits side-by-side.
Bank FD compounding is calculated quarterly (standard Indian banking convention). Corporate bond yield is calculated with annual compounding. High-yield corporate bonds carry higher credit risk than sovereign-backed bank deposits. Vetting and asset allocation are recommended before investing.
RD Calculator
Recurring-deposit maturity with quarterly compounding.
EMI Calculator
Equated monthly installment, total interest and amortization.
Home Loan Prepayments
Calculate how prepaying your home loan saves you massive interest payments and helps you get debt-free years ahead of schedule.
Why Prepay?
Home loans are front-loaded with interest: in the early years, almost 80–90% of your EMI goes towards interest, not principal. Making regular prepayments directly knocks down the principal balance, yielding compound interest savings.
Fixed vs. EMI-based Prepayments
You can prepay either a Fixed Lumpsum (e.g. ₹1 Lakh every year) or an EMI Multiple (e.g. paying 1 extra EMI every year). Both drastically shorten your loan tenure and total interest outlay.
How to Use
Enter your loan details, expected annual prepayments, and the year in which you want to start prepaying. The tool will calculate your interest savings, new loan tenure, and display the amortization comparison chart.
Loan Details
Prepayment Options
💡 Fixed Lumpsum: Prepay a flat rupee amount (e.g. ₹1 Lakh) at selected intervals.
💡 EMI Multiples: Prepay a multiple of your monthly EMI (e.g. paying 1 extra EMI every year) to accelerate saving.
Compound Interest
A = P(1 + r/n)^(nt). Any compounding frequency.
Simple Interest
Linear, non-compounding interest. SI = (P × R × T) / 100.
PPF Calculator
15-year PPF with annual compounding at the current rate.
EPF Calculator
Employee (12%) + employer (3.67% to EPF) contribution, compounded yearly at EPF rate.
NPS Calculator
Corpus at 60 + estimated monthly pension on the annuitised portion.
SSY Calculator
Deposits for 15 years, matures at 21 years. Annual compounding.
SCSS Calculator
Senior Citizens Savings Scheme - quarterly interest payouts, 5-year term.
POMIS
Post Office Monthly Income Scheme - monthly interest payout over 5 years.
Gratuity Calculator
Gratuity Act formula: (last drawn salary × 15 × years) / 26.
Term Insurance Calculator
Human Life Value - how much cover your family would need if you weren't around.
TDS Calculator
Section-wise rates as per IT Act 2025 with threshold & 206AA logic.
FY 2026-27 TDS Chart
Complete reference per Income-tax Act, 2025. Use search to filter.
| Return code | Old section | New section (IT Act 2025) | Nature of payment | Form | Rate | Threshold |
|---|---|---|---|---|---|---|
| 1006 | 194H | 393(1) Table Sl no.1(ii) | Commission or brokerage - Others | 140 | 2% | Aggregate > ₹20,000 p.a. |
| 1008 | 194I(a) | 393(1) Table Sl no.2(i).D(a) | Rent on machinery, etc. - specified person | 140 | 2% | > ₹50,000 per month |
| 1009 | 194I(b) | 393(1) Table Sl no.2(i).D(b) | Rent other than machinery (land / building / furniture) - specified person | 140 | 10% | > ₹50,000 per month |
| 1022 | 194A | 393(1) Table Sl no.5(iii) | Interest other than interest on securities | 140 | 10% | > ₹10,000 p.a. |
| 1023 | 194C | 393(1) Table Sl. No. 6(i).D(a) | Contract / labour supply - contractor is Individual / HUF | 140 | 1% | Single invoice > ₹30,000 OR aggregate ≥ ₹1,00,000 p.a. |
| 1024 | 194C | 393(1) Table Sl. No. 6(i).D(b) | Contract / labour supply - contractor is other than Individual / HUF | 140 | 2% | Single invoice > ₹30,000 OR aggregate ≥ ₹1,00,000 p.a. |
| 1026 | 194J(a) | 393(1) Table Sl. No. 6(iii).D(a) | Fees for technical services / royalty (films) / call-centre operations | 140 | 2% | Aggregate > ₹50,000 p.a. |
| 1027 | 194J(b) | 393(1) Table Sl. No. 6(iii).D(b) | Professional fees - Doctors, Lawyers, Architects, Engineers, Designers, Royalty, Scientists, etc. | 140 | 10% | Aggregate > ₹50,000 p.a. |
| 1028 | 194J(b) | 393(1) Table Sl. No. 6(iii).D(b) | Director remuneration / fees / commission (non-Section 392 / non-salary) | 140 | 10% | No threshold (all payments) |
| 1031 | 194Q | 393(1) Table Sl. No. 8(ii) | Purchase of goods (incl. capital goods) from resident seller - Buyer T/O > ₹10 Cr in previous year | 140 | 0.1% | > ₹50 L per seller p.a. (5% if no PAN) |
| 1033 | 194R | 393(1) Sl. 8(iv) | Benefit or perquisite (CASH) arising from business / profession of recipient | 140 | 10% | > ₹20,000 per recipient p.a. |
| 1033 | 194R | 393(1) Sl. 8(iv) | Benefit or perquisite (KIND) - payer deposits tax before releasing benefit | 140 | 10% | > ₹20,000 p.a. |
| 1067 | 194T | 393(3) Table Sl. No. 7 | Salary, remuneration, commission, bonus or interest to partner of LLP / Firm (incl. capital account) | 140 | 10% | Aggregate ₹20,000 per partner p.a. |
| 1073 | 206C-E | 394(1) Table Sl. No. 4 | Sale of scrap (TCS) | 143 | 2% | No threshold (all sales) |
Source: Income-tax Act, 2025 - TDS Chart for FY 2026-27. Indicative reference only; consult a professional for any specific case.
Income Tax - New vs Old Regime
FY 2025-26 slabs. Quick side-by-side comparison.
Cash Edge
What your idle spending money is quietly leaving on the table when it sits in a savings bank account instead of a liquid mutual fund.
What is Cash Edge?
Most people keep next month's spending money - groceries, EMIs, Swiggy, fuel - sitting in a savings bank account where it earns just 2.7% p.a. Cash Edge is the idea of parking the same money in a liquid mutual fund earning ~6.5% p.a. instead, until the exact moment you spend it.
Why does it help?
You get the same access (T+1 withdrawals, no lock-in) but your idle money keeps earning the differential. On a typical ₹50,000/month spender, this is roughly ₹1,000+ extra per year with zero lifestyle change - and brand-partner cashbacks can stack another ₹10-15k a year on top.
How to use this
Enter your honest monthly spend in each category. The calculator shows the annual differential a Spendvest setup would unlock, plus estimated brand savings. Treat the numbers as directional - they prove the concept; the exact yield depends on the fund and your spend timing.
Daily essentials
Lifestyle & leisure
Rate assumptions (fixed reference)
What do these numbers mean?
- Annual spend
- Your total monthly spending × 12. The pool of money that flows through your spending account in a year.
- Avg idle balance
- The money is sitting in your account waiting to be spent. Income arrives in lumps (salary) but goes out gradually through the month, so on average roughly half a month's spend is idle at any given moment. We use 50% of monthly spend as the estimate.
- Bank yield (idle)
- What that idle balance earns in a typical savings bank account at 2.7% p.a. (SBI standard rate). Very small.
- Liquid yield (idle)
- What the same idle balance would earn in a liquid mutual fund at 6.5% p.a. - the historical average yield of that fund category. Roughly 2.4× the bank.
- Yield differential / yr
- Liquid yield minus bank yield. The "free" annual return you'd gain just by moving spending money from your bank to a liquid fund. No lifestyle change.
- Brand discount savings / yr
- Estimated cashback / gift-card discount from partner-brand cashback programmes, applied to the categories most likely to have partner offers: food delivery + shopping + travel + entertainment.
FIRE Calculator
Financial Independence, Retire Early. Your FIRE number = 25× annual expenses (4% safe withdrawal rule, adjusted for inflation).
What is FIRE?
FIRE = Financial Independence, Retire Early. The idea: build a portfolio so large that withdrawing just 4% of it per year covers your annual expenses - forever. At that point you no longer need a paycheck. Working becomes a choice, not an obligation.
Why does it matter?
It gives you a concrete corpus target instead of a vague "save more" goal. Knowing your FIRE number ( 25× your annual expenses) lets you measure exactly how close you are to financial freedom - and shows whether your current savings rate is on track.
How to use this
Enter today's expenses and savings. The calculator projects how many years it takes to hit your FIRE number using real returns (return minus inflation), so target and growth stay on the same yardstick. Adjust the assumptions to stress-test the plan.
About you
Your numbers today
Assumptions
Lumpsum + SIP + SWP
All three steps in one calculator: start with a one-time lumpsum, grow it with monthly SIPs, then draw a fixed monthly amount back out via an SWP while the rest keeps growing.
Phase 1 - Accumulate
Day 1, you park an initial lumpsum (bonus, RSU vest, sale proceeds, EPF). On top of that, you SIP a fixed amount every month. Both compound at your assumed equity return until the end of the accumulation period.
Phase 2 - Withdraw (SWP)
At the end of the investing phase, the money is usually shifted to a more conservative blend (hybrid/debt). You start a Systematic Withdrawal Plan - a fixed monthly amount drawn while the remaining balance keeps compounding at the withdrawal-phase rate.
How to use this
Set the lumpsum, monthly SIP, investing years, expected return, then the monthly SWP and withdrawal-phase return. The calculator tells you how long the corpus will last, the final balance, and the total payout you'll get.
Phase 1 - Accumulation
Phase 2 - Withdrawal (SWP)
Goal Basket Planner
Plan your dream goals by dynamically balancing a lumpsum and monthly SIP contribution. Find the perfect mix that fits your cash flow.
Goal Details
Your Contribution Basket
Mutual Fund Expense Ratio Calculator
Understand the compounding impact of mutual fund expense ratios (fees) on your long-term wealth. Compare your gross return vs your net return after fees.
What is the Expense Ratio?
The Expense Ratio is the annual fee charged by a mutual fund to manage your money. Even a tiny difference (e.g., 0.5% for a Direct plan vs 1.5% for a Regular plan) can cost you lakhs of rupees in lost returns over 15–20 years due to fee compounding.
Direct vs. Regular Plans
Direct plans have much lower expense ratios because you buy directly from the AMC. Regular plans include agent/distributor commissions built into a higher annual fee. This tool helps you see the exact cost of that difference.
How to use this
Enter your initial lumpsum, monthly or yearly recurring investment, duration, expected annual returns, and the expense ratio. The calculator tells you the exact amount lost to fees and your net wealth after charges.