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
Direct vs Regular Mutual Funds: Why Direct Saves You ₹20 Lakh
A focused deep-dive on Direct vs Regular Plan mutual funds — the single most consequential decision in Indian retail investing, and the one most people make wrong because it's invisible. Includes the verified 0.65 percentage point average expense gap for active equity funds, the full compounding math at multiple SIP sizes and durations (₹10K SIP for 25 years = ₹18.5 lakh gap; for 30 years = ₹41.5 lakh), the April 2026 SEBI reforms (TER → BER, lower index TER caps, tighter brokerage caps), the tr
How to Choose a Mutual Fund: A Practical 5-Filter Framework
A practical five-filter framework for selecting Indian mutual funds — category fit, fund size, expense ratio, manager tenure, and risk-adjusted returns — applied through two worked examples (large-cap and small-cap selection). Includes the verified direct-vs-regular plan math showing how a 1% expense ratio gap quietly costs ₹11-29 lakh over a 20-year SIP, the SPIVA India 2025 data on active vs index fund performance (73% of active large-cap underperformed over 10 years), and the operational 30-m
Liquid Funds vs Savings Account: Where to Park Your Emergency Fund
A practical, computed comparison of liquid funds and savings accounts for parking an emergency fund. Includes the post-tax math across all slabs on a ₹5 lakh emergency fund (showing ₹9,780/year advantage at 30% slab and ₹1.74 lakh cumulative over 10 years), the honest liquidity comparison (SEBI's ₹50,000 instant redemption + T+1 settlement), the post-2023 tax change that removed the LTCG indexation advantage, the sweep-in FD hybrid for single-bank simplicity, and the specific situations where sa
Best Investment Options for ₹10 Lakh: Risk-Adjusted 2026 Comparison
A practical, computed comparison of five investment options for ₹10 lakh — equity mutual funds, balanced advantage funds, fixed deposits, gold ETF, and real estate — with realistic 5/10/20-year projections, post-tax outcomes at 30% slab, three goal-based allocation frameworks, and the diversification math showing why a 60/20/10/10 portfolio beats pure equity for most investors. Includes the Budget 2026 update that effectively paused new Sovereign Gold Bond issuances and changed the tax treatment
Mutual Fund Returns: How to Read XIRR, CAGR, and Absolute Return
A clear breakdown of the three return metrics every mutual fund investor encounters — absolute return (ignores time), CAGR (right for lumpsums and fund comparison), and XIRR (right for SIPs and irregular cashflows). Includes worked examples showing why a 35% absolute return is the same as 6.21% naïve calculation but 12% actual XIRR, step-by-step instructions for computing your own XIRR in Excel or Google Sheets, and the reasons why fund houses publish CAGR but SIP investors need XIRR for their a
PPF vs NPS for Retirement: A 25-Year Corpus Comparison
A data-driven PPF vs NPS comparison with three scenarios — aggressive 30-year-old, moderate 40-year-old, conservative 50-year-old — showing where each instrument wins and by how much. Reveals the often-missed annuity drag on NPS, the EEE tax advantage of PPF, and why most balanced retirement portfolios should use both rather than picking one. Includes verified scenario math and tax treatment under both old and new regimes.