Smart tools for budgeting, loans, investments, and tax planning
Who is this for?
Salaried professionals managing monthly budgets, home buyers calculating EMIs, investors planning SIPs, freelancers estimating taxes, and anyone wanting better control over their finances.
📊Budget PlannerPopular
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Budget Analysis
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Total Expenses
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Remaining
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Savings Rate
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Health Status
50/30/20 Rule
Aim for 50% on needs (rent, food, bills), 30% on wants (entertainment, shopping), and 20% on savings/investments. A savings rate above 20% is excellent.
🏦Loan EMI CalculatorEssential
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EMI Breakdown
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Monthly EMI
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Total Interest
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Total Payment
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Interest/Principal
Example
A ₹20L home loan at 8.5% for 20 years = ₹17,356/month EMI. Total interest paid: ₹21.65L. Prepaying even ₹1L/year can save ₹5-7L in interest.
📈SIP / Investment Calculator
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SIP Projection
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Total Invested
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Est. Returns
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Total Corpus
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Wealth Multiplier
Power of Compounding
₹10,000/month SIP at 12% for 15 years grows to ~₹50L. With a 10% annual step-up, the corpus can reach ₹1Cr+. Starting early is the biggest advantage.
📋Income Tax Calculator (India)
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Tax Breakdown
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Taxable Income
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Tax Payable
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+ 4% Cess
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Effective Rate
Example
Income of ₹12L under new regime: Standard deduction ₹75K, taxable = ₹11.25L. Tax ~₹71,500 + cess. Under old regime with full 80C: Tax ~₹66,300 + cess.
💲Expense Ratio Analyzer
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See how mutual fund expense ratios eat into your returns over time.
Expense Ratio Impact
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Without Expense
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With Expense Ratio
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Money Lost to Fees
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% Lost
Example
₹10L invested for 20 years at 12% grows to ₹96.5L. With a 1.5% expense ratio, it only reaches ₹67.3L. That's ₹29.2L lost to fees! Choose low-cost index funds when possible.