Personal-finance numbersyou can check yourself
Free calculators, a cited tax engine and insurance-policy analysis for Indian investors. Every formula published, every statutory figure sourced, and no product ever recommended.
Calculators that show their working
Each of these runs on a tested engine, checked against the scheme's own rules and worked examples. The method behind every one is written down.
Income Tax
Old and new regime side by side: standard deduction, 87A rebate with marginal relief, surcharge and cess, for each supported year.
OpenHRA Exemption
The least of the three statutory limbs, with the metro and non-metro rates.
OpenSIP
Monthly investing, level or with an annual step-up applied on each anniversary.
OpenPPF
The 15-year scheme under its own rules: the annual deposit limit and interest on the lowest balance.
OpenEPF
Employee and employer shares, with 8.33% of the employer share diverted to EPS on wages capped at ₹15,000.
OpenNPS
Corpus, annuity and lump sum, with the 80CCD(1B) deduction counted on top of the ₹1.5 lakh pool, not inside it.
OpenGratuity
The five-year qualifying period and the Act’s rounding of part-years, covered and not covered.
OpenRecurring Deposit
Compounded quarterly, the way banks actually credit it, not monthly like a SIP.
OpenLoan EMI
EMI, total interest and a year-by-year amortisation table.
OpenBuilt to be checked
Insurance Lab
What a traditional policy really returns: surrender and paid-up values, XIRR and break-even. 1 policy reproduces the insurer's own benefit illustration to the rupee, and every policy page says whether it has been checked.
Analyse a policyFinancial Planner
Track goals, assets and liabilities, and see what all your goals cost together each month against your income. Optional monthly goal email.
Start planningPublished Methodology
The formulas, conventions and sources behind the calculators, so any result can be checked by hand.
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Explainers on tax, savings schemes and investing.
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The week's five most-discussed community threads, with a link to each. No market tips and no product pitches.