Calculators
Fifteen calculators built around how Indian products actually work — quarterly compounding on deposits, reducing-balance interest on loans, the 15/26 gratuity formula, both tax regimes side by side. Each one shows its assumptions and links to its sources.
Loans
- EMI Calculator Work out the monthly instalment on any loan, and see how much of it is interest in the early years.
- Home Loan EMI Calculator Instalment, total interest and a year-by-year schedule for a home loan, plus what prepaying does to it.
- Personal Loan EMI Calculator What a personal loan actually costs once processing fees and a short tenure are accounted for.
- Car Loan EMI Calculator Instalment and total cost on a car loan, including the down payment you are planning to make.
Investments
- SIP Calculator What a monthly mutual fund SIP could grow to, and how much of the corpus is your money versus returns.
- Step-Up SIP Calculator The effect of raising your SIP every year as your salary grows — usually larger than people expect.
- Lumpsum Calculator What a one-time investment compounds to, in nominal and inflation-adjusted terms.
Deposits
- FD Calculator Fixed deposit maturity with the quarterly compounding Indian banks actually use, plus tax on the interest.
- RD Calculator Recurring deposit maturity, computed the way banks compute it rather than as a simple sum.
- PPF Calculator PPF balance year by year over the 15-year term, and what extending it in five-year blocks does.
- SCSS Calculator Quarterly income from the Senior Citizens Savings Scheme, and the TDS that comes off it.
Retirement & salary
- NPS Calculator Projected NPS corpus at 60, split into the compulsory annuity and the lump sum, with an estimated pension.
- Gratuity Calculator Gratuity under the Payment of Gratuity Act, including the rounding rule for part years.
- HRA Exemption Calculator How much of your house rent allowance is exempt — the least of three limits, all three shown.