Financial Tools for Tax, Investment & Financial Planning
๐ Smart Calculators: Compare tax regimes, calculate loan EMIs, and plan investments instantly with our professional-grade financial calculators and SIP planning tools.
๐ Professional-Grade Financial Calculators & Planning Tools
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Real-Time Projections
Simulate different financial scenarios. Instantly compare tax regimes, map loan prepayments, and plan future goals in seconds.
Explore All Financial Tools
Take-Home Salary Calculator
Calculate your in-hand monthly & annual salary after taxes, deductions, and PF.
Home Loan Eligibility Calculator
Calculate your maximum affordable home loan and property price based on income & EMIs.
Rent vs Buy Calculator
Compare net wealth, break-even years, and long-term financial outcomes of renting vs buying.
Old vs New Tax Regime Calculator
Side-by-side 4-column comparison of tax liability and savings between Old and New Tax Regimes.
Income Tax Calculator
Calculate your income tax liability and compare Old vs New Slabs.
Home Loan EMI Calculator
Plan your home financing repayments, interest slabs, and total maturity costs.
SIP Calculator
Plan your mutual fund SIP investments and forecast wealth accumulated over years.
PPF Calculator
Model maturity returns on the government-backed Public Provident Fund.
Retirement Planning Calculator
Plan your savings to secure a strong retirement corpus and steady monthly pension.
Child Education Planning Calculator
Forecast the rising cost of college education and calculate monthly SIP required.
Wealth Creation Calculator
Forecast compound wealth growth from initial lumpsum and SIP contributions combined.
Inflation Calculator
Calculate the rising cost of goods and model historical purchasing power decay.
Real Return Calculator
Calculate post-tax and inflation-adjusted real annual rates of return.
Rule of 72 Calculator
Calculate double-your-money timelines based on compound annual yields.
CAGR Calculator
Smoothed compound annual growth rate calculations for any asset duration.
XIRR Calculator
Calculate precise returns on irregular dates and cash flow transactions.
SWP Calculator
Calculate periodic cash flow withdrawals and remaining capital growth projection.
Fixed Deposit (FD) Calculator
Calculate the maturity value and interest returns on Fixed Deposits.
Recurring Deposit (RD) Calculator
Calculate accumulated savings and compounding interest on Recurring Deposits.
Capital Gains Calculator
Calculate Short-Term & Long-Term Capital Gains (STCG & LTCG) tax on investments.
EPF & EPS Calculator
Calculate EPF savings and EPS monthly pension retirement benefits.
Auto/Car Loan Calculator
Calculate EMI and interest for car or two-wheeler auto loans.
Personal Loan Calculator
Plan repayments and EMIs for unsecured personal loans.
Educational Loan Calculator
Calculate EMIs for student loans including moratorium/grace period accruals.
Gratuity Calculator
Calculate statutory gratuity benefits for covered and non-covered services.
Standard Calculator
Universal basic mathematical calculator, split-bill tip coordinator, and multi-unit converter.
Debt Payoff Strategy
Accelerate debt freedom by simulating Avalanche vs. Snowball payoff strategy schedules.
Budget Tracker
Track spending limits, log real-time transactions, and monitor category bars dynamically.
Savings Goals Planner
Set and track financial milestones, customize deadlines, and review sub-goals progress.
Transaction Ledger
Verify account balances, upload bank statements, and filter historic transaction logs.
Cloud Sync & Data
Export preferences, download spreadsheet backups, and configure secure cloud sync.
Financial Preferences
Adjust default currency, choose country location, and review custom risk profiles.
๐ฌ Frequently Asked Questions (FAQ)
Get quick answers to common questions about our free financial calculators and data security policies.
Are these financial planning calculators free to use? โผ
Is my financial data secure on this platform? โผ
Are the tax calculators updated for the latest financial year? โผ
Can I download or save my calculation summaries? โผ
How are my input parameters saved across page reloads? โผ
๐๏ธ Official Government Resources
Access official Government of India portals directly for calculations, e-filings, policy verifications, and compliance resources.
๐งพ Income Tax Calculator
Calculate your income tax liability and compare Old vs New Slabs. Dynamic adjustments apply immediately!
โก Select Tax Regime
Compare tax liabilities under both regimes instantly
๐ Your Details
๐๏ธ Income & Deduction Details
Deductions & Exemptions
๐ Tax Breakdown Chart
๐ Your Tax Summary
๐ Active Slabs Schedule
| Income Bracket | Rate | Calculated Tax |
|---|
โ๏ธ Regime Comparison (Old vs New)
| Component | Old Regime | New Regime |
|---|---|---|
| Gross Total Income | โน0 | โน0 |
| Total Deductions | โน0 | โน0 |
| Net Taxable Income | โน0 | โน0 |
| Surcharge | โน0 | โน0 |
| Health & Education Cess (4%) | โน0 | โน0 |
| Total Tax Payable | โน0 | โน0 |
⚙️ Actions
๐ Home Loan EMI Calculator
Plan your home financing repayments, interest slabs, and total maturity costs.
๐๏ธ Loan Parameters
๐ธ Prepayment Transactions
๐ Principal vs Interest
๐ Repayment Summary
⚙️ Actions
📊 Yearly Amortization Schedule
| Year | Opening Balance | EMI Payments | Principal Component | Interest Component | Closing Balance |
|---|
๐ฐ PPF Projection Calculator โ Statutory Monthly & Date-Specific Model
Calculates Public Provident Fund wealth accumulation incorporating initial lump sums, regular installment frequencies (up to 12 installments/year), and statutory monthly interest based on the 5th of the month timing rule under the Public Provident Fund Scheme, 2019.
๐ฐ Deposit Details
๐ Annual Step-Up Option (Optional)
๐ Wealth Growth Chart
๐ PPF Maturity Summary
⚙️ Actions
📊 Yearly Contribution & Interest Schedule
| Year | Interest Rate | Opening Balance | Deposits Made | Interest Earned | Closing Balance |
|---|
๐ Retirement Planner
Plan your savings to secure a strong retirement corpus and steady monthly pension.
โฑ๏ธ Age & Savings Parameters
๐ Annual Step-Up Option (Optional)
๐ Wealth Growth Timeline
๐ Retirement Outcomes
⚙️ Actions
📊 Year-by-Year Cashflow Timeline
| Timeline | Opening Balance | Annual Flow (In/Out) | Interest Growth | Closing Balance |
|---|
๐ฐ Fixed Deposit (FD) Calculator
Calculate the maturity value and interest returns on your bank Fixed Deposits.
๐ฐ FD Investment
๐ Deposit Breakdown
๐ FD Maturity Summary
⚙️ Actions
📊 Fixed Deposit Growth Timeline
| Year | Interest Rate | Opening Principal | Interest Gained | Closing Maturity Balance |
|---|
๐ Recurring Deposit (RD) Calculator
Calculate accumulated savings and compounding interest on monthly Recurring Deposits.
๐ฐ RD Investment
๐ Annual Step-Up Option (Optional)
๐ Wealth Growth Breakdown
๐ RD Maturity Summary
⚙️ Actions
📊 Recurring Deposit Amortization Schedule
| Year | Interest Rate | Opening Balance | Annual Deposits | Interest Compounded | Closing Maturity |
|---|
๐ SIP Calculator
Plan your mutual fund SIP investments and forecast wealth accumulated over years.
๐ SIP Investment
๐ Annual Step-Up Option (Optional)
๐ Wealth Growth Breakdown
๐ SIP Maturity Summary
⚙️ Actions
📊 SIP Investment Projection Schedule
| Year | Expected Return | Opening Balance | Annual Contributions | Accrued Wealth Gain | Total Corpus Value |
|---|
๐ Capital Gains Calculator
Calculate Short-Term (STCG) & Long-Term (LTCG) tax liability on Equity Shares, Real Estate Property, and Debt Mutual Funds.
๐๏ธ Transaction Details
๐ Real Estate Indexation Settings
๐ Capital Gain Breakdown
๐ Gains Tax Outcomes
⚙️ Actions
📊 Capital Gains Tax Breakdown Details
| Taxation Component Item | Value / Details |
|---|
๐ Child Education Planning Calculator
Estimate the future cost of college education and determine the monthly SIP required to meet the goal.
๐ Input Parameters
๐ Annual Step-Up Option (Optional)
๐ Plan Summary & Chart
⚙️ Actions
📊 Child Education College Fund Timeline
| Year | Inflation Cost Target | Annual SIP Deposit | Interest Earned | Accrued Education Fund |
|---|
๐ฐ Wealth Creation Calculator
Model compound wealth growth combining initial lumpsum investments and recurring monthly savings.
๐ Investment Inputs
๐ Annual Step-Up Option (Optional)
๐ Wealth Growth Summary
⚙️ Actions
📊 Wealth Growth Compounding Timeline
| Year | Opening Wealth Balance | Annual SIP Additions | Compound Growth Earnings | Accumulated Wealth |
|---|
๐ Inflation Calculator
Understand the real-time impact of inflation on the purchasing power of your money over years.
๐ Expenses Inputs
๐ Purchasing Power Decay
⚙️ Actions
📊 Inflation Valuation Decay Schedule
| Year | Current Purchasing Power | Future Cost Equivalent | Cumulative Value Decay (%) |
|---|
๐ Real Return Calculator (Inflation & Tax Adjusted)
Calculate the actual purchasing yield of your portfolio after subtracting taxes and inflation loss.
๐ Yield Inputs
๐ Real Yield Breakdown
⚙️ Actions
📊 Real Rate Assessment Breakdown
| Return Assessment Stage | Adjusted Growth Rate | Yield on รขโยน10 Lakh Capital |
|---|
โฑ๏ธ Rule of 72 Calculator (Investment Doubling Time)
Estimate the time required to double your investment capital based on compound interest growth rates.
๐ Growth Inputs
๐ Doubling Forecast
⚙️ Actions
📊 Rule of 72 Doubling Progression
| Year | Opening Capital | Interest Earned | Accumulated Assets |
|---|
๐ CAGR (Compound Annual Growth Rate) Calculator
Determine the smoothed annual growth rate of your investment portfolio over a specified duration.
๐ Portfolio Values
๐ CAGR Growth Analysis
⚙️ Actions
📊 CAGR Compounding Amortization
| Year | Opening Value | Annual Valuation Gain | Closing Capital Valuation |
|---|
๐ XIRR (Extended Internal Rate of Return) Calculator
Calculate compound returns on irregular dates and transaction cash flows using a Newton-Raphson solver.
๐ Cash Flow Ledger
| Date | Transaction Type | Amount (โน) | Action |
|---|
๐ XIRR Performance Yield
๐ Transaction Timeline Summary
| Date | Type | Cash Flow | Cumulative Net |
|---|
โ๏ธ Actions
๐ SWP (Systematic Withdrawal Plan) Calculator
Model cash flow withdrawals while your remaining capital continues to grow at compound growth rates.
๐ SWP Inputs
๐ Annual Withdrawal Increase Option (Optional)
📊 SWP Capital Forecast
⚙️ Actions
📊 SWP Drawdown & Depletion Schedule
| Year | Opening Balance | Annual Withdrawals | Accrued Growth Interest | Closing Balance |
|---|
๐ผ EPF & EPS Planning Suite
Plan your provident fund savings, employer matching splits, and project monthly retirement pensions under current and historical statutory rules.
What Changed: Statutory Wage Ceiling Revision (Effective 17 Sept 2026)
MoL&E Notification S.O. 5109(E)Under the Code on Social Security, the statutory wage ceiling for mandatory EPF and EPS contributions has been revised from โน15,000/month to โน25,000/month. Use the interactive rule switchers below to calculate under either the updated statutory ceiling or historical pre-September 2026 rules.
โน3,000/mo (was โน1,800/mo)
โน2,083/mo (was โน1,250/mo)
โน917/mo (was โน550/mo)
โน12,500/mo (was โน7,500/mo)
๐ฆ EPF Parameters
๐ด EPS Parameters
๐ Share Breakdown Chart
๐ EPF Maturity Summary
๐ EPS Pension Results
โ๏ธ Actions
๐ EPF Annual Progression Amortization
| Year | Interest Rate | Basic Salary (Monthly) | Employee Share (12%) | Employer EPF Share | Annual Interest Credited | EPF Closing Balance |
|---|
๐ EPS Pension Calculation Reference Table
| EPS Calculation Scheme | Pensionable Basic Salary | Pensionable Service | Max EPS Threshold (Cap) | Payable Monthly Pension |
|---|
๐ Illustrative Comparison: Pre-Sep 2026 vs Post-Sep 2026 Statutory Rules
The table below demonstrates how the statutory wage ceiling revision changes monthly provident fund allocations and theoretical pension caps for an illustrative basic salary of โน30,000/month.
| Component | Pre-Sep 2026 Rule (โน15k Ceiling) | Post-Sep 2026 Rule (โน25k Ceiling) | Variance / Impact |
|---|---|---|---|
| Statutory Wage Ceiling | โน15,000 / month | โน25,000 / month | +โน10,000 / month |
| Mandatory Employee EPF (12%) | โน1,800 / month | โน3,000 / month | +โน1,200 / month saved |
| Employer EPS Allocation (8.33%) | โน1,250 / month | โน2,083 / month | +โน833 / month to pension pool |
| Employer EPF Allocation (3.67%) | โน550 / month | โน917 / month | +โน367 / month to EPF balance |
| Max EPS Formula Pension (at 35 yrs service) | โน7,500 / month | โน12,500 / month | +โน5,000 / month ceiling |
โ Frequently Asked Questions: EPF & EPS Rules
What is the statutory wage ceiling update effective September 2026? โผ
Can I still calculate my accumulation under the older โน15,000 ceiling? โผ
How does the higher EPF deduction affect take-home salary and Section 80C? โผ
Are employers required to cap EPS contributions at โน25,000? โผ
๐ Auto Loan Calculator
Calculate EMI, interest payable, and annual amortization schedule for car or two-wheeler auto loans.
๐ Loan Details
๐ธ Prepayment Transactions
๐ Auto Loan Breakdown
๐ Repayment Summary
โ๏ธ Actions
๐ Yearly Auto Loan Amortization Schedule
| Year | Opening Balance | EMI Payments | Principal Component | Interest Component | Closing Balance |
|---|
๐ฐ Personal Loan Calculator
Plan repayments, interest payable, and monthly EMIs for unsecured personal loans.
๐ฐ Loan Details
๐ธ Prepayment Transactions
๐ Loan Breakdown
๐ Repayment Summary
โ๏ธ Actions
๐ Yearly Personal Loan Amortization Schedule
| Year | Opening Balance | EMI Payments | Principal Component | Interest Component | Closing Balance |
|---|
๐ Educational Loan Calculator
Estimate EMIs for student loans including study moratorium period simple interest and capitalizations.
๐ Education Financing Details
๐ธ Prepayment Transactions
๐ Loan Breakdown
๐ Repayment Summary
โ๏ธ Actions
๐ Yearly Student Loan Amortization Schedule
| Period Stage | Opening Balance | Amount Paid | Principal Component | Interest Accrued | Closing Balance |
|---|
๐ข Gratuity Calculator
Calculate statutory gratuity benefits for covered and non-covered services.
๐ข Employment details
๐ Benefit Outcomes
โ๏ธ Actions
๐ Gratuity Settlement Comparison Schedule
| Gratuity Settlement Scheme | Basic Salary (Monthly) | Years of Service | Formula Base | Total Benefit (Capped at 20L) |
|---|
๐ณ Debt Payoff Strategy
Accelerate debt freedom by simulating Avalanche vs. Snowball payoff strategy schedules.
โ๏ธ Payoff Strategy
๐ Active Debt Portfolio
๐ Debt Payoff Timeline
๐ ๏ธ Actions
โ๏ธ Strategy Comparison: Baseline vs. Avalanche vs. Snowball 3-Way Analysis
| Payoff Strategy | Monthly Payment | Debt-Free Time | Total Interest Paid | Total Interest Saved | Core Advantage |
|---|---|---|---|---|---|
| Calculating comparative scenarios... | |||||
๐ Comprehensive Amortization Schedule & Payoff Milestones
| Month / Year | Remaining Balance | Monthly Payment | Interest Paid | Principal Reduced | Cumulative Interest | Active Debts / Milestone |
|---|---|---|---|---|---|---|
| Active loan payoff projection schedule will appear here. | ||||||
๐ผ Take Home Salary Calculator
Calculate your in-hand salary after applicable taxes, employee PF, professional tax and statutory deductions under Old & New Tax Regimes.
๐ค Salary Details
๐ก๏ธ Tax Regime & Deductions
๐ Salary Breakdown (Annual)
Total Deductions (Annual)
โน 74,400Under the New Tax Regime, you get simplified lower tax slabs without requiring investment proofs.
| 1. Tax Components | 2. Your Input (โน) | 3. Old Tax Regime (โน) | 4. New Tax Regime (โน) |
|---|---|---|---|
| ๐ผ A. EARNINGS | |||
| 1. Gross Salary Including Perquisites | โน 12,00,000 | โน 12,00,000 | |
| 2. House Rent Allowance (HRA) | โน 1,80,000 (Exempt) | โน 0 (Not Allowed) | |
| 3. Other Allowances u/s 10 / Special Allowance | โน 3,00,000 | โน 3,00,000 | |
| 4. Balance Earnings (1 - 2 - 3) | โน 6,60,000 | โน 7,20,000 | โน 9,00,000 |
| ๐ก๏ธ B. SALARY DEDUCTIONS | |||
| 5(a) Standard Deduction u/s 16(ia) | โน 50,000 | โน 75,000 | |
| 5(b) Professional Tax u/s 16(iii) | โน 2,400 | โน 0 (Nil in New) | |
| 6. Income Under Head Salaries (4 - 5) | โน 6,07,600 | โน 6,67,600 | โน 8,25,000 |
| ๐ C. OTHER INCOME / LOSS | |||
| 7(a) Interest on Home Loan (Loss / -) | โน 0 | โน 0 | |
| 7(b) Any Other Income | โน 0 | โน 0 | |
| 8. Gross Total Income (6 + 7) | โน 6,07,600 | โน 6,67,600 | โน 8,25,000 |
| ๐ D & E. CHAPTER VI-A DEDUCTIONS (80C, 80D, 80CCD) | |||
| (a) Provident Fund & 80C Investments Includes EPF statutory contribution (up to โน36,000/yr under revised ceiling) |
โน 1,50,000 | โน 0 | |
|
(b)(i) 80D: Self, Spouse & Children
|
โน 25,000 | โน 0 | |
|
(b)(ii) 80D: Parents Health Insurance
|
โน 0 | โน 0 | |
|
(b)(iii) 80D: Preventive Health Checkup
(Max โน5,000 within overall 80D cap)
|
โน 0 | โน 0 | |
| (c) NPS 80CCD(1B) (Self Contribution) | โน 50,000 | โน 0 | |
| (d) Employer NPS Contribution u/s 80CCD(2) | โน 0 | โน 0 (Eligible in New) | |
| (e) Higher Education Loan Interest u/s 80E | โน 0 | โน 0 | |
| (f) Savings Interest Exemption u/s 80TTA/80TTB | โน 0 | โน 0 | |
| (g) Donations to Charitable Funds u/s 80G | โน 0 | โน 0 | |
| 9. Total Deductions Under Chapter VI-A | โน 2,25,000 | โน 2,25,000 | โน 0 |
| 10. Net Taxable Income | โน 3,82,600 | โน 4,42,600 | โน 11,25,000 |
| 11. TOTAL TAX PAYABLE (with Cess 4%) | โ | โน 0 | โน 0 |
๐ก Home Loan Eligibility Calculator
Find out how much home loan you can get based on your income, expenses and existing obligations.
Existing debt obligations remain within typical institutional FOIR thresholds.
๐ Your Financial Inputs
๐ Eligibility Breakdown
Total Debt Ratio (Post-Loan FOIR)
Total Debt Ratio: 55.0%(0 - 35%)
(35 - 50%)
(50 - 60%)
(60%+)
Existing Debts: 23.8% | New Home Loan EMI: 31.2%
Reflects total monthly debt servicing commitment against net household income post-loan.
โ๏ธ Rent vs Buy Calculator
Compare and decide what's better for your financial future across a complete 5 to 30 year horizon.
โฑ๏ธ Comparison Time Horizon (your planned stay duration)
๐ก Buying Details
๐ข Renting Details
๐ Investment Assumptions
BUY
You will be better off by โน 55,88,548 after 20 years.
๐ Wealth Over Time (Net Wealth)
๐ Summary Comparison (After 20 Years)
| Particulars | Buy | Rent | Difference |
|---|---|---|---|
| Total Cash Outflow Buy: DP + Reg + EMIs + Maint. over 20 Yrs | โน 91,12,000 | โน 60,00,000 | + โน 31,12,000 |
| Property / Investment Value | โน 2,03,70,548 | โน 1,43,82,000 | + โน 59,88,548 |
| Outstanding Loan Balance | โน 64,00,000 | โ | โน 64,00,000 |
| Net Terminal Wealth | โน 1,39,70,548 | โน 83,82,000 | + โน 55,88,548 |
- Buying creates more equity and real estate wealth over long horizons.
- Property appreciation and loan amortisation are key wealth drivers.
- Rent savings invested at 10% p.a. grow wealth without real estate illiquidity.
๐ Cost & Wealth Breakdown (After 20 Years)
โ๏ธ Old vs New Tax Regime Calculator
Compare your tax liability under both applicable tax regimes side-by-side. Slabs, deductions, and Section 87A rebates update dynamically!
OLD TAX REGIME
You may save approximately โน32,199 with the Old Tax Regime based on your entered deductions.
| 1. Tax Component / Particular | 2. Your Input (โน) | 3. Old Tax Regime (โน) | 4. New Tax Regime (โน) |
|---|---|---|---|
| ๐ผ 1. EARNINGS & SALARY COMPONENTS | |||
| Basic Salary | โน 6,00,000 | โน 6,00,000 | |
| House Rent Allowance (HRA) | โน 1,80,000 (Exempt) | โน 0 (Taxable) | |
| Special Allowance | โน 3,60,000 | โน 3,60,000 | |
| Other Allowances / Bonus / Variable | โน 0 | โน 0 | |
| Gross Total Income | โน 12,00,000 | โน 10,20,000 | โน 12,00,000 |
| ๐ก๏ธ 2. EXEMPTIONS & DEDUCTIONS | |||
| Standard Deduction u/s 16(ia) | โน 50,000 | โน 75,000 | |
| Professional Tax u/s 16(iii) | โน 2,400 | โน 0 | |
| Section 80C (EPF, PPF, ELSS, Life Insurance) Statutory EPF contributes up to โน36,000/yr (โน3k/mo) under revised ceiling |
โน 1,50,000 | โน 0 | |
| Section 80D (Health Insurance Premium) | โน 25,000 | โน 0 | |
| Section 80CCD(1B) (National Pension Scheme - NPS) | โน 50,000 | โน 0 | |
| Home Loan Interest Section 24(b) | โน 0 | โน 0 | |
| Other Deductions (80G, 80E, etc.) | โน 0 | โน 0 | |
| Total Eligible Deductions | โน 3,02,400 | โน 2,77,400 | โน 75,000 |
| ๐ 3. FINAL TAX SUMMARY | |||
| Net Taxable Income | โ | โน 7,42,600 | โน 11,25,000 |
| Tax Slabs Calculation (Before Rebate) | โ | โน 61,020 | โน 83,200 |
| Section 87A Tax Rebate | โ | โน 0 | โน 0 |
| Tax After Rebate | โ | โน 61,020 | โน 83,200 |
| Health & Education Cess (4%) | โ | โน 2,441 | โน 3,328 |
| TOTAL TAX PAYABLE | โ | โน 63,461 | โน 86,528 |
Accounting2Tax Financial Suite
Android Mobile App โข Early Access Edition
Income Tax, Take-Home Salary, SIP, EMI, PPF, Capital Gains, and more.
Instant calculations with zero tracking, no ads, and private on-device data.
Multi-year wealth analysis, loan amortizations, and branded downloadable reports.
๐ก๏ธ Ultra-fast, battery-efficient financial tool suite. Android 9.0+ supported.
โ๏ธ Edit Debt / Loan
๐ฌ Share Your Feedback
We value your suggestions to improve our financial tools.
Giving feedback on: General Dashboard
Important Disclaimer: Calculator results are estimates provided for informational and educational purposes only and do not constitute financial, investment, tax, legal, accounting, or professional advice. Results are based on the information entered and assumptions used by the calculator and may not reflect actual outcomes. Accounting2Tax does not guarantee the accuracy, completeness, or suitability of any calculation or result. Please consult a qualified professional before making financial, investment, tax, retirement, or other financial decisions.
