India Money Toolkit

Tax & financial calculators · everything runs entirely in your browser

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Assets & liabilities

Enter what you own and owe to see your net worth. Saved privately in your browser — nothing is uploaded.

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Liabilities

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Net worth
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Total assets
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Total liabilities
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Asset allocation
Assets
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Your money at a glance
Tap any card to jump to that tool. Figures reflect what you entered in each tab, remembered between visits on this device.

Your details

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Drag the slider or type an amount up to ₹1 crore+
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Employer's contribution to your NPS, capped at 14% of salary

Old-regime deductions

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Capped at ₹1.5L
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Self + parents premium
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Exempt u/s 10(13A)
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Capped at ₹2L
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Capped at ₹50k
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80G, 80E, 80TTA…
Annual take-home
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Effective tax rate
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Marginal slab rate
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New vs. old regime
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How your income fills the slabs
Where your money goes
Total tax
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Detailed summary

Your CTC

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Old regime counts your EPF towards 80C automatically
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Varies by state (₹0–2,500 per year)
Monthly in-hand salary
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Annual in-hand
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CTC lost to tax + PF
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Monthly salary breakdown
Gross / month
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CTC → in-hand waterfall

Monthly cash flow

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Cash + FD you can tap instantly
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Professional tax, insurance via employer, etc.

Monthly expenses

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Groceries, utilities, transport
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Dining, shopping, OTT…
Investable surplus / month
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Savings rate
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Monthly in-hand
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Where your in-hand salary goes
In-hand / mo
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Your action plan
Monthly investment split
Instrument₹ / monthRole in your portfolio
Allocation uses the "110 − age" equity rule adjusted for your risk appetite. PPF is capped at ₹12,500/mo (₹1.5L/yr). Optional: up to ₹4,167/mo in NPS (80CCD(1B)) saves extra tax in the old regime.
Wealth projection

Retirement plan

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In today's money — we inflate it to your retirement date
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Corpus needed at retirement
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Projected corpus
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Gap
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Corpus through retirement

Goal planner

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Equity 11–13% · use 8–9% for goals under 5 yrs
Monthly SIP needed
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Future cost
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Or lumpsum today
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Path to your goal

Home loan details

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Typical home-loan rates: 8–9.5%
Monthly EMI
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Loan amount
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Total interest
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What the loan really costs
Total outgo
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Principal vs. interest over time

SIP plan

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Years
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Equity funds: 10–14% long-term
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Increase your SIP every year as your income grows
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Projected corpus
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You invested
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Wealth gain
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Growth over time
At a glance

Savings scheme

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Maturity value
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Total invested
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Interest earned
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Balance over time

Policy details

Matures after these many years
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How many years you pay the premium
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Survival / money-back benefit (0 if none)
Paid every year till maturity
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Sum assured + bonuses you expect at maturity
Policy return (XIRR)
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Total premiums
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Total benefits
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Same premiums, other instruments
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Alternatives assume you invest the identical premium stream for the same years. Policy paybacks are counted as received, not reinvested. FD interest is taxable at your slab; PPF is tax-free; equity gains face 12.5% LTCG; policy maturity is usually tax-free u/s 10(10D).
Growth of the same premiums

Loan payoff

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Personal loans 10–16% · credit cards 36–42%
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See how much faster you'd be debt-free
Debt-free in
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Total interest
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Saved with extra
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Balance over time

Car loan

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Ex-showroom + RTO + insurance
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Typical car-loan rates: 8.5–11%
Monthly EMI
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Amount financed
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Total interest
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Total cost breakdown
Total cost
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Loan summary

Free India Tax & Finance Calculators for FY 2025-26

The India Money Toolkit bundles twelve tools every Indian taxpayer needs, tied together by a personal net-worth dashboard that remembers your inputs privately in your browser: an income tax calculator that compares the new and old regimes side by side (including the ₹12 lakh zero-tax Section 87A rebate, surcharge with marginal relief and 4% cess), a CTC-to-in-hand take-home salary calculator with EPF and gratuity, a monthly money plan that turns your salary, deductions and expenses into a step-by-step savings and investment plan, a retirement planner that tells you the corpus you need and whether your savings will last, a goal planner that reverse-calculates the SIP for a child's education, wedding or home, a home loan EMI calculator, a SIP calculator with annual step-up and inflation adjustment, FD, RD and PPF maturity calculators, an insurance policy return (XIRR) analyser that reveals what your LIC or endowment plan really earns, a loan prepayment planner, and a car loan EMI calculator. Everything runs in your browser — nothing is uploaded, stored or shared.

Frequently asked questions

Is income up to ₹12 lakh tax-free in FY 2025-26?
Yes — under the new regime, resident individuals with taxable income up to ₹12 lakh pay zero tax thanks to the enhanced Section 87A rebate of ₹60,000. With the ₹75,000 standard deduction, salaried taxpayers effectively pay no tax on salary up to ₹12.75 lakh. Marginal relief applies slightly above the limit.
Which is better: the new or the old tax regime?
It depends on your deductions. The new regime has lower slab rates but allows only the standard deduction and employer NPS. The old regime can win if you claim large deductions such as 80C, 80D, HRA and home-loan interest. This calculator computes both side by side and shows exactly how much the better regime saves you.
What are the new regime tax slabs for FY 2025-26?
0–₹4 lakh: nil; ₹4–8 lakh: 5%; ₹8–12 lakh: 10%; ₹12–16 lakh: 15%; ₹16–20 lakh: 20%; ₹20–24 lakh: 25%; above ₹24 lakh: 30%. A 4% health and education cess applies, plus surcharge on income above ₹50 lakh.
Is PPF maturity tax-free?
Yes. PPF is EEE (exempt-exempt-exempt): deposits qualify for Section 80C, and both the interest and the maturity amount are completely tax-free. The current rate is 7.1% per annum, set by the government and reviewed quarterly.
How do I calculate the real return (XIRR) of my LIC or endowment policy?
Enter your annual premium, premium-paying term, any money-back or survival payouts, and the expected maturity value in the Insurance tab. The calculator computes the XIRR — the true annualised return that accounts for the timing of every payment — and compares it with PPF, bank FDs and equity index funds. Typical endowment and money-back policies yield only 4–6% XIRR.
How much of my salary should I save and invest each month?
A good benchmark is the 50/30/20 rule: at most 50% of in-hand salary on needs, 30% on wants, and at least 20% saved and invested. Before investing, clear high-interest debt and build an emergency fund of 6 times your fixed monthly expenses. Then split monthly investments between equity index funds, PPF and debt funds based on your age and risk appetite — the Money Plan tab builds this step-by-step plan from your salary, deductions and expenses.
How much money do I need to retire in India?
A common rule of thumb is 25 to 30 times your annual expenses at the time you retire. Because inflation keeps raising your cost of living, ₹50,000 a month today can need well over ₹2 lakh a month after 30 years. The Retirement tab inflates your current expenses to your retirement date, calculates the corpus needed to sustain them for life, projects what your current savings and monthly investments will grow to, and shows any shortfall plus the extra monthly SIP needed to close it.
How do I plan a SIP for my child's education or another goal?
Enter the goal's cost in today's prices, the years left, and its inflation rate (education costs in India rise about 10% a year). The Goal Planner grosses up the cost to its future value and calculates the monthly SIP — or one-time lumpsum — needed to reach it, after accounting for what you have already saved.
Does this calculator store or send my data anywhere?
All calculations run entirely in your browser and nothing is sent to any server. To make the tools convenient, your inputs and net-worth figures are saved in your browser's local storage on your own device so they are remembered next time. You can clear them anytime by clearing your browser's site data.

Privacy & cookies

Privacy policy

Your calculator inputs: the numbers you type into these calculators are processed entirely in your browser and are never uploaded to any server or shared. For convenience they may be saved in your browser's local storage on your own device so the tools remember them next time; clearing your browser's site data removes them.

Cookies & third parties: with your consent, this site uses Google Analytics 4 to measure visits and Google AdSense to display advertising. Both are provided by Google and may set cookies and process device identifiers and IP addresses as described in How Google uses information from sites that use its services. IP anonymisation is enabled for analytics.

If you decline: choosing "Essential only" sets no tracking cookies — analytics runs in cookieless consent mode and ads, where shown, are non-personalised. The calculators work identically either way. Your choice is remembered in your browser's local storage and can be changed anytime via Cookie preferences in the footer.

Contact: for privacy questions, contact the site owner at iamrupalipatil96@gmail.com.

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