Personal Finance Calculators
SIP, EMI, FD, RD, PPF, NPS and mutual fund calculators for Indian investors.
SIP Calculator
Estimate the future value of your Systematic Investment Plan with monthly contributions and expected returns.
EMI Calculator
Compute Equated Monthly Installments for home, car or personal loans with full amortisation schedule.
Fixed Deposit (FD) Calculator
Calculate maturity value of your bank fixed deposit with quarterly compounding.
PPF Calculator
Project the maturity value of your Public Provident Fund account over 15 years and beyond.
Home Loan EMI Calculator with Prepayment
Calculate home loan EMI and see exactly how much interest and tenure you save with lumpsum, monthly or yearly prepayments.
Recurring Deposit (RD) Calculator
Calculate maturity amount and interest earned on a Recurring Deposit with quarterly compounding — Indian bank standard.
NPS Calculator
Project your National Pension System corpus at retirement, the mandatory 40% annuity, and expected monthly pension.
Home Loan Eligibility Calculator
Calculate maximum home loan you can get based on income, age, existing EMIs, and FOIR — using bank-standard rules.
Latest from Personal Finance
Bonus Money Strategy: Where to Deploy Your Annual Performance Pay
A decision framework for deploying your annual bonus, ranked by risk-adjusted return. Starts with the overlooked reality that the bonus is post-tax (a ₹3 lakh bonus is ₹2.07 lakh in hand at 30% slab), then presents the core insight most people miss: home loan prepayment is a guaranteed, tax-free return equal to your loan rate — an 8.5% loan paid down is worth 12.1% pre-tax for a 30% slab taxpayer, matching equity's expected (but risky) ~12%. A ₹2.07 lakh prepayment on a ₹50 lakh/8.5%/20-year loa
FD Laddering: A Smarter Way to Use Bank Fixed Deposits
A practical guide to FD laddering for Indian savers. Covers the concrete ₹15 lakh example (three ₹5 lakh FDs at 1, 3, and 5 years), the honest both-directions math (laddering beats a single FD by ~₹33,000 over 5 years when rates rise, but a single long FD wins by ~₹30,000 when rates fall — so it's risk management, not guaranteed return maximisation), the consistent liquidity benefit (money frees up periodically without breaking an FD or paying a penalty), and the powerful DICGC insurance angle (
NPS Tier 1 vs Tier 2: When the Optional Account Makes Sense
A clear-eyed comparison of NPS Tier 1 and Tier 2 accounts. Tier 1 is the locked retirement account carrying all the tax benefits (80CCD(1), 80CCD(1B), 80CCD(2)); Tier 2 is the optional, fully-liquid add-on with the same ultra-low 0.09% cost but no tax deduction and slab-rate taxation on gains for private subscribers. The decisive math: despite Tier 2's lower cost, equity mutual funds beat it by ₹1.49 lakh on a ₹5 lakh/10-year investment for a 30% slab investor, because 12.5% LTCG beats slab-rate
Retirement Planning: How Much Money Do You Need at 60?
An honest, inflation-aware guide to retirement corpus planning for Indians. Covers the 25× rule and its India-adjusted version (3.5% withdrawal = 28.5×), the critical inflation reality most people miss (today's ₹6 lakh expenses become ₹25.8 lakh per year at retirement in 25 years), why ₹3-5 crore is the realistic floor and ₹7-10 crore for younger savers, the monthly SIP required by start age (₹6,158 at 25 vs ₹40,034 at 40 for ₹4 crore), the three corpus components (EPF at 8.25%, NPS, equity port
Sovereign Gold Bonds vs Physical Gold: Which Wins on Returns?
An honest comparison of gold investment routes for Indian investors in 2026. Sovereign Gold Bonds were the best gold instrument ever offered — 2.5% annual interest, zero making/storage costs, tax-free capital gains at maturity (₹10.66 lakh on a ₹5 lakh/8-year/9% scenario vs ₹9.03 lakh for gold ETF and ₹8.00 lakh for physical). But the RBI has issued no new tranches since February 2024 and none are scheduled for FY 2026-27 — the scheme is effectively paused. From April 2026, the tax-free maturity
Term Insurance: How Much Cover Do You Actually Need?
A practical guide to term insurance for Indian salaried earners — the two methods of calculating right cover (15-20× annual income, validated against needs analysis), two worked scenarios (30-year-old IT professional needing ₹3 crore, 35-year-old senior professional needing ₹2.5-3 crore), the brutal age-premium math (₹6-9K at 25, ₹30-45K at 45), why pure term beats ULIPs and whole-life by ₹60+ lakh of wealth over 25 years AND provides 10× more cover, the September 2025 GST 2.0 reform (individual