India · FY 2025–26
Indian money, calculated without the fog.
SIP, deposits, loans, GST, salary and retirement — the household toolkit, with the formulae written down.
All calculators
21 tools, grouped the way the menu is.
INVESTMENT
SIP, deposits, PPF, NPS and growth rates.
LOAN
EMI, home, car, personal, amortization, prepay.
FINANCE
Inflation, interest, retirement, gratuity, salary.
From the desk
All notes →-
PPF or NPS for the next 15 years
PPF is EEE, capped at 1.5 lakh a year, 15-year lock, rate reset by the government. NPS is the engine: equity up…
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GST in five minutes, without the portal
If a quote says 10,000 + GST, the customer pays 11,800 at 18%. If a shelf price is GST-inclusive, the tax inside…
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New vs old tax regime, FY 2025–26
The new regime now starts taxing only after 4 lakh, with a rebate that makes tax nil up to 12 lakh of…
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How an EMI is really built
EMI = P x r x (1+r)^n / ((1+r)^n – 1). The only number most of us see is the monthly debit.…