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Master Your Money, one Step at a Time

Simple guides on budgeting, saving & investing for beginners

Money Wisdom

Simple guides on budgeting, saving & investing for beginners.

“Do not save what is left after spending, but spend what is left after saving.”

– Warren Buffet

“A budget is telling your money where to go instead of wondering where it went.”

– Ramsey

Investment Projection Calculator

Estimate future value of Lump Sum or Monthly SIP with compounding.

Currency Mode

Investment Amount

₹

Duration (years)

Annual Return Rates (%)

Mutual Fund Fixed Deposit PPF NPS Gold

Note: Lump Sum uses annual compounding; SIP uses monthly compounding. Inflation and taxes are not considered.

EMI Calculator

Currency

Loan Amount

Annual Interest Rate (%)

Tenure (years)

SIP Calculator

Currency

Monthly Investment

Expected Return (% p.a.)

Duration (years)

Lumpsum Future Value

Currency

Principal

Expected Return (% p.a.)

Duration (years)

CAGR Calculator

Currency

Initial Value

Final Value

Duration (years)

Investment Projection Calculator

Currency

Initial Lumpsum

Monthly SIP

Expected Return (% p.a.)

Duration (years)

Annual Step-Up in SIP (%) (optional)

Income Tax — Old vs New (India)

Currency

Income

Salary Income (annual)

Other Income (annual)

Standard Deduction (₹50,000 for salaried/pensioners)

Old Regime

New Regime

Cess (%)

Chapter VI-A Deductions (enter what you claim)

80C (cap usually ₹1.5L)

80D – Health Insurance (cap varies)

NPS 80CCD(1B) (extra ₹50k)

Employer NPS 80CCD(2)

Advice Limits (edit caps & rebate thresholds)

80C cap

80D cap

NPS 80CCD(1B) cap

Old regime 87A rebate threshold

New regime 87A rebate threshold

Note: Employer NPS 80CCD(2) rules/limits depend on salary% and regime; enter the eligible amount directly.

Tax Slabs (editable)

Old Regime — “up to” → rate %

Threshold	Rate %

New Regime — “up to” → rate %

Threshold	Rate %

You can adjust slabs/thresholds here whenever the FY rules change.

Old Regime Tax (incl. cess)

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New Regime Tax (incl. cess)

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Which is better?

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Enter details and click Calculate.

This is an educational aid. For filing, always confirm latest rules/slabs and your eligibility for deductions/exemptions.

HRA Exemption — Section 10(13A)

Currency

Basic + DA (annual)

Rent paid (annual)

HRA received (annual)

City type

Exemption = min( HRA received, Rent − 10% of Basic+DA, 50%/40% of Basic+DA ).

Exempt HRA

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Taxable HRA

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LTA Exemption — Eligible Amount (Block)

Currency

Total eligible ticket cost (this journey)

Family size (incl. you)

Journeys already claimed in this block

Optional cap per person (eligible fare)

LTA received from employer (this claim)

Assumes domestic travel; exemption limited to 2 journeys per 4-year block and to eligible fare class.

Eligible LTA (this claim)

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Taxable LTA (if LTA received entered)

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Capital Gains Tax — Multi-Asset

Currency

Asset Type

Purchase Date

Sale Date

Sale Consideration

Cost of Acquisition

Improvement/Transfer Expenses

Rules (edit to match current FY)

LTC threshold (months)

STCG rate (%)

LTCG rate (%)

Indexation allowed?

CII at Purchase (if indexation)

CII at Sale (if indexation)

Tip: Set defaults per asset (e.g., Equity: 12m LTC, 15% ST, 10% LT, no indexation; Realty/Gold often use longer LTC and indexation). Please confirm latest rules.

Gain Type

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Taxable Gain

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Estimated Tax

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Master Your Money, one Step at a Time

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Investment Projection Calculator