Money calculators
The everyday-money questions most people never sit down to answer, in plain numbers, free, with nothing hidden. Every rate is editable, so you can use your own figures.
Income tax
At this income, estimated income tax is ₹0 under the new regime (after the standard deduction and the section 87A rebate).
Rough estimate, FY2025-26 (new regime), salaried, before surcharge and other income/deductions; not tax advice. Allocation applies the Union Budget 2024-25“rupee goes to” composition to your estimated tax.
Your lifetime tax contribution
Roughly what you'll hand to the nation over a working life, the roads, schools and defence you help pay for.
Over 30 years you'll contribute about ₹2.9 Crin income tax, money that builds roads, funds schools and defends the country. That's exactly why where it goes should be public.
Rough estimate, FY2025-26 new regime, income growing at your assumed raise. Not tax advice.
Loan EMI
Your monthly payment, and how much of it is just interest.
Over 20 years you repay ₹1 Cr on a ₹50 L loan, 108% of the loan again, in interest.
SIP / monthly investing
What small monthly investments grow into, and their real, inflation-adjusted worth.
₹10,000/month for 20 years becomes ₹99.9 L, worth about ₹31.2 Lin today's money after inflation. Illustrative; returns aren't guaranteed.
Is your money beating inflation?
Salary, FD, equity, gold, real estate, after tax and inflation, is it actually growing?
Is your salary really growing?
In real terms, your salary has grown by 19.6% after inflation. Your ₹8,00,000 today is worth about ₹5,97,807 in the money of 5 years ago.
Nominal raise: 9.9%/yr · Real (after inflation): 3.6%/yr
Will your investment beat inflation?
| Asset | Return %/yr | Tax | After-tax value | Real value | Total ROI (real, net) |
|---|---|---|---|---|---|
Fixed deposit Typical 1-year bank FD | Interest taxed at your income slab | ₹15.6 L | ₹8.7 L | -13% -1.4%/yr | |
Savings account Typical savings rate | Interest taxed at slab (small exemption) | ₹12.7 L | ₹7.1 L | -29% -3.3%/yr | |
Equity (Sensex) Long-run BSE Sensex average | LTCG 12.5% over ₹1.25L/yr (held >1yr) | ₹28.4 L | ₹15.9 L | +59% 4.7%/yr | |
Gold Long-run gold price growth | LTCG 12.5% (held >2yr) | ₹23.9 L | ₹13.4 L | +34% 2.9%/yr | |
Real estate RBI House Price Index, long-run | LTCG 12.5% without indexation | ₹20.1 L | ₹11.2 L | +12% 1.2%/yr | |
PPF Public Provident Fund | Tax-free (EEE) | ₹19.9 L | ₹11.1 L | +11% 1.0%/yr |
After-tax value applies each asset's current tax. Real value is that in today's money. Total ROI (real, net) is your net return after both tax and inflation over the period (green = grows your wealth, red = shrinks it). Representative long-run averages from public data (MOSPI, BSE, RBI); tax per FY2025-26 rules. Editable, enter your own figures for a precise result. Not investment or tax advice.