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Simple guides on budgeting, saving & investing for beginners

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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

What Kind of Investor Are You?

Answer a few quick questions to discover your investor personality.

  1. How do you feel about taking risks with money?




  2. What’s your investment goal?




  3. How do you react if your portfolio drops by 20%?




  4. How long can you stay invested?




Investing & Wealth

Investment Projection Calculator

Project Lump Sum or Monthly SIP with compounding — optional inflation adjustment.

Inflation
Annual Return Rates (%)

Lump Sum uses annual compounding; SIP uses monthly compounding. Turn on “Inflation” to see real FV (in today’s money).

Goal SIP / Lumpsum Planner
Currency
SIP Needed (monthly)
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Lumpsum Needed Today
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XIRR / SIP Return (Dated Cashflows)
Currency
Enter cashflows (one per line): YYYY-MM-DD, amount
Use negative amounts for investments (outflows) and positive for redemptions (inflows).
XIRR (% p.a.)
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Lumpsum Future Value
Currency
CAGR Calculator
Currency
SWP (Systematic Withdrawal) Calculator
Currency
We compute the **maximum sustainable monthly SWP** so that the corpus reaches ~0 at the end of the period (annuity-style).
Monthly SWP (max)
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Ending Corpus
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Total Withdrawn
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Inflation-Adjusted Return (Real Return)
Currency
Real Return (% p.a.)
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STP (Systematic Transfer) Calculator
Currency
Assumes debt leg has negligible return; equity leg compounds monthly after each transfer.
Final Value (Equity + untransferred)
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Total Transferred
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Amount Left in Debt
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Retirement Corpus Planner
Currency
Assumes 25 years in retirement and uses real (inflation-adjusted) math for the post-retirement drawdown.
Corpus Needed @ Retirement
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SIP Needed (pre-ret)
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Lumpsum Needed Today
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Income Tax — Old vs New (India)
Currency
Income
Standard Deduction (₹50,000 for salaried/pensioners)
Chapter VI-A Deductions (enter what you claim)
Advice Limits (edit caps & rebate thresholds)
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 %
ThresholdRate %
New Regime — “up to” → rate %
ThresholdRate %
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
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
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
Rules (edit to match current FY)
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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Loans & Credit

Home Loan Prepayment Impact

See how extra payments cut your total interest and loan tenure.

EMI uses standard amortization (monthly compounding). Prepayments are applied right after the EMI of that month.

EMI vs Invest — Break-even

Should you prepay the loan or invest your monthly surplus?

We simulate two paths over the original remaining tenure: (A) use surplus as extra prepayment each month; (B) keep the loan as-is and invest the surplus at the after-tax return.

Credit Card Payoff / Snowball

Time & interest to clear revolving debt. Choose Snowball or Avalanche strategy.

Cards (edit inline)
CardBalanceAPR %Min %

Model: monthly compounding; interest accrues then payments applied. We first pay each card’s minimum (balance × min%), then allocate remaining budget to the target card (per strategy).

Balance Transfer Savings

See net savings & break-even months when you switch lenders.

Refinance Break-Even Calculator

Find how many months it takes to recover refinancing costs.

EMI ↔ Tenure Optimizer

Hit a target EMI or target tenure; see the new EMI/tenure and interest impact.

APR / True Cost of Credit

Compute effective APR including fees using cashflows.

Floating Rate Shock Impact

See EMI (hold tenure) and Tenure (hold EMI) under ± rate changes.

Part-Payment Planner (Recurring)

Add monthly/quarterly extras to reduce tenure and interest.

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New EMI / Month
  • Original Tenure—
  • New Tenure—
  • Interest Saved—
  • Interest Payable—
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