Calculators

Twenty-two tools for the numbers that come up again and again. None of them need anything saved in Assets, so use them for any what-if question.

SIP

What a fixed monthly investment grows to, with a chart of money put in against its value.

Step-Up SIP

A SIP that rises every year as your salary does, compared with keeping it flat.

Lumpsum

A one-time investment left to grow.

SWP (Withdrawals)

Start with a corpus and take a fixed amount out every month, for example in retirement. Shows whether the money lasts.

Sukanya Samriddhi

For a girl child: deposits run 15 years from opening and the account matures at 21 years. The rate is 8.2% for October to December 2026 and is reset each quarter.

PPF Year by Year Projection

Shows exactly how your PPF grows, year on year, for as long as you like. The standard lock in is 15 years, and it can be extended after that in blocks of 5, so try 15, 20 or 25 to see further ahead.

CAGR

Works out the steady yearly growth rate between a start value and an end value.

XIRR

For money going in and out on different dates, like topping up a mutual fund now and then. Enter every amount you put in as a negative number, and the money you got back, or what it is worth today, as a positive number.

DateAmount

Rolling Returns

A single CAGR only tells you the return between two dates. Rolling returns test every possible starting point in your data for a given holding period, so you can see how consistent the returns really were, not just the luckiest or unluckiest case. Enter a price or NAV history below, oldest first or in any order.

DatePrice or NAV

FIRE Number

How big a corpus you need to stop depending on a salary, and whether your current saving gets you there. Figures you have already saved elsewhere are filled in.

Emergency Fund

Money kept safe and easy to reach, for a job loss or a medical bill. Fixed and recurring deposits you have added count towards it.

EMI

Loan Prepayment

Paying part of a loan early: compare keeping your EMI (the loan ends sooner) against keeping your tenure (the EMI drops).

How much home can I afford?

Lenders usually cap all your EMIs at roughly 40 to 50% of take-home pay. This works out the biggest loan that fits, plus your down payment.

Income Tax: Old vs New Regime

FY 2026-27 slabs, unchanged by Budget 2026. Includes the 4% cess, the rebate that makes tax nil up to ₹12 lakh of taxable income in the new regime, and surcharge above ₹50 lakh.

Old regime deductions, leave at 0 if you don't have them

HRA Exemption

How much of your house rent allowance is tax free. Only applies under the old regime. From FY 2026-27 the 50% limit covers eight cities: Delhi, Mumbai, Chennai, Kolkata, Bengaluru, Hyderabad, Pune and Ahmedabad.

Gratuity

15 days of wages for each completed year, on a 26-day month. Regular employees qualify after 5 years, fixed-term employees after 1 year under the new labour codes. Up to ₹20 lakh is tax free over your working life.

Freelancer and Consultant Tax

Presumptive taxation for professionals, now section 58 of the Income-tax Act 2025 (the old 44ADA): half your receipts are treated as profit, no books needed. Compared with tax on your actual profit, after the TDS your clients deducted. Tax year 2026-27, new and old regime.

Income Tax & Take-Home Pay

Your country's current brackets, allowances and payroll contributions.

Self-Employed & Freelancer Tax

Tax and contributions on your profit as a sole trader, contractor or freelancer, with what to set aside each month.

End of Service Gratuity

UAE private sector: 21 days of basic pay for each of the first five years, 30 days for each year after, capped at two years' pay. Needs at least one year of service.

Simple Interest

Compound Interest

Inflation

What something costs in the future, and what a future sum is really worth in today's money.

Currency Converter

Uses live European Central Bank reference rates from the free Frankfurter service, useful for foreign currency accounts, remittances, or valuing an asset held abroad.