Budgeting & Cashflow Engines. Each calculator is optimized for precision and compliant with latest financial standards.
Plan maternity leave income, delivery costs, and insurance gaps under the Code on Social Security 2020.
Under the Code on Social Security 2020, eligible mothers in India receive 26 weeks of paid leave, while all adoptive mothers now receive 12 weeks. This planner calculates leave pay, hospital costs vs insurance, and Section 80D tax benefits.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter monthly gross salary
Specify leave duration
Input medical costs & insurance cover
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Estimate economic impact: alimony, asset division, and post-transition cashflow.
Estimates alimony based on 25% income benchmarks. Models post-divorce disposable income to ensure financial recovery.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter incomes & net worth assets
Input alimony & legal estimates
Project post-divorce cashflow runway
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Plan foreign education costs in INR: tuition, living, and LRS TCS rules.
Costs 15-20% more than sticker price due to 5% TCS and Forex markups. Converts foreign tuition into real INR funding impact.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input foreign course expenses
Configure forex markup & TCS
Review total target corpus in INR
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Convert CTC to take-home salary for FY 2026-27 — accounts for HRA, PF, PT, and latest TDS slabs.
Your in-hand salary for FY 2026-27 is your Gross Salary minus EPF (12% of basic), Professional Tax, and TDS. Under the New Tax Regime, a ₹75.0K standard deduction is automatically applied.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter Annual CTC
Configure EPF & Gratuity
Select Tax Regime (Old vs New)
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Optimize your CTC breakup (Basic, HRA, FBP) to maximize take-home pay under FY 2026-27 tax rules.
To maximize in-hand salary, keep Basic Salary at 40% of CTC for high income (to minimize PF) or 50% for Metro residents to maximize HRA exemption.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input CTC details
Adjust HRA & Special Allowance
Optimize Flexi allowances
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Project your new CTC and in-hand increase against the 2026 India average hike benchmarks.
The average salary hike in India for 2026 is projected at 9.50%. Use this calculator to see how an appraisal affects your specific tax slab and real wage growth.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter Current Salary
Specify Appraisal Percentage
Review Net Increase & Tax Impact
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Compare your tech, product, or sales compensation against 2026 market percentiles for Startups and MNCs.
Benchmarking for 2026 shows a median base for SDE-2 (5 YOE) ranging from ₹18.00L (MNC) to ₹25.00L (Top Startup).
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Select Role & Experience
Enter current CTC
Compare against market percentiles
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Calculate your 'Real Wage' by factoring in commute time, taxes, and work expenses.
The 'Life Hour' metric represents how many hours you work just to pay for the job itself (Tax, Commute, Expenses). Commute is 'surrendered time' that effectively cuts your hourly value.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter nominal CTC
Declare job-related costs (Commute, Gear)
Calculate 'Life Hour' wage
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Compare job offers side-by-side: evaluate Fixed Pay, ESOP Value, and Net In-Hand.
Look beyond the 'Big CTC'. A high-fixed MNC offer may be superior to a startup offer with high paper-value ESOPs depending on liquidity needs and risk tolerance.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input Offer A details
Input Offer B details
Review 5-year wealth trajectory
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Calculate notice period shortfall liability and understand latest GST and F&F settlement rules.
CBIC Circular 178/10/2022 clarifies that no GST is applicable on notice period recovery. New Labour Codes mandate F&F settlement within 2 working days of exit.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter notice period details
Provide gross & basic salary
Calculate buyout liability
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Determine your hourly rate to hit net profit targets using Section 44ADA presumptive tax benefits.
Section 44ADA allows professionals to pay tax on only 50% of gross receipts (up to ₹75.00L turnover). Factor in 'unbillable' time (admin/sales) to set your real rate.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input target net income
Specify annual expenses
Determine billable hourly rate
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Stress-test your 'Sustainability Runway' for a career break and calculate lost compounding.
A sabbatical requires (12m expenses) + (4m buffer). The hidden cost is the 'Compounding Gap'—missing one year of PF/SIP at age 30 can cost significant wealth at age 60.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter monthly expenses
Specify break duration
Calculate sustainability runway
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Compare purchasing power between Indian cities using 2026 CoL indices and rent benchmarks.
Mumbai remains the most expensive (Index 100). A ₹20 LPA salary in Bangalore offers roughly the same purchasing power as ₹28 LPA in Mumbai due to rent variance.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Select Source & Target Cities
Enter current income
Compare equivalent salary
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Optimize FBP components like Meal, LTA, and Gift Vouchers for maximum tax savings.
Maximizing FBP can save significant wealth annually. Recommended allocations: Meal Vouchers (₹26.4k), Internet (₹36k). Employer NPS remains exempt in both regimes.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input annual CTC & basic
Allocate FBP components
Check tax savings (Old vs New)
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Apply the classic 50-30-20 rule: Needs 50%, Wants 30%, Savings 20%.
A simple framework for financial discipline. In high-inflation environments, automate your 20% savings first (Reverse 50-30-20) before spending on needs/wants.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter monthly net income
Distribute cashflow (50/30/20)
Monitor variances monthly
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Assign every single rupee a job until your unallocated balance is zero.
Zero-based budgeting (ZBB) means Income - Expenses = 0. Highly effective for stopping 'invisible' spending leakage by pre-assigning every rupee to a category.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input monthly income
Create expense categories
Assign every rupee until balance is zero
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Comprehensive monthly ledger to track actual spending vs planned targets.
Visualize cashflow 'leakage'. Strive for a 'Savings Velocity' where your surplus grows annually. UPI auto-categorization helps track small daily spends.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Define category budgets
Log daily expenditures
Analyze progress & leakage
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
High-level visual overview of your monthly cashflow: inflow vs outflow.
The dashboard calculates your 'Net Cashflow Position'. Positive cashflow is the engine of wealth. Use a 'Sinking Fund' to smooth out large annual expenses.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
List income streams
Group total expenses
Evaluate net cashflow velocity
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Deep-dive into spending patterns to identify leakage in lifestyle categories.
Subconscious Spending (subscriptions, dining) often accounts for 15-20% of urban budgets. This analyzer pinpoint areas to cut back without losing quality of life.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Categorize expenses
Compare with standard ratios
Identify & redirect leakage
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Save for big-ticket goals (Travel, Wedding) with inflation-adjusted contributions.
A strategic way to avoid debt. Break down large future costs into manageable monthly 'EMIs to yourself', accounting for 6% annual inflation.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Define goal cost & horizon
Adjust for inflation
View monthly savings target
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Digital cash-stuffing method for strict spending discipline.
Creates a hard ceiling on spending. Stops 'UPI friction loss' by forcing you to check the virtual envelope balance before every transaction.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Allocate envelope amounts
Deduct spends in real-time
Stop spending when envelope is empty
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Measure how much of your career raises were captured as savings vs lost to inflation.
If expenses rise at the same rate as income, your 'Creep Score' is 100%. Aim for below 40% by 'Saving the Raise'—investing 50-70% of every hike immediately.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input past income & expenses
Input current income & expenses
Review Creep Score & Wealth Velocity
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Evaluate recurring subscriptions and identify unused leakage.
Urban households often spend ₹2,500/month on OTT/SaaS, with 30% going unused. Use RBI e-mandate portals to identify and cancel hidden card charges.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Add active subscriptions
Assign usage frequency
Analyze annual financial leak
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Calculate true savings rate across EPF, SIPs, PPF, and NPS.
Your savings rate is the primary driver of FI. A 30% rate is the standard goal. Includes 'invisible' savings like employer PF contributions.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter monthly take-home
List all monthly investments
Review retirement/FIRE timeline
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Total Cost of Ownership comparison between EVs and ICE vehicles.
Compares high upfront EV cost vs fuel savings. A 1,500km/month driver typically breaks even in 4 years. Factors in IRDAI insurance slabs and opportunity cost.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter vehicle purchase prices
Provide usage (km/month)
Analyze breakeven period
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Determine safe monthly spending for freelancers with volatile income.
Budget based on income 'floors' rather than averages. Establish a 3-month 'Buffer Account' and reserve 30% for tax liabilities under Section 44ADA.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input revenue history (6 months)
Set fixed commitments
Determine safe-to-spend limit
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Calculate ROI for subscriptions by measuring cost-per-hour of usage.
If a service costs >₹50 per hour of use, it represents low ROI. Audit monthly to convert 'silent leakage' into investment surplus.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input subscription costs
Declare weekly hours of use
Check cost-per-hour ROI
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Reveal the true cost and 'Debt Premium' of buying items on EMI.
Even 'no-cost' EMIs carry hidden processing fees and GST on interest. This tool reveals the true interest rate (IRR) you are paying.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter cash purchase price
Provide EMI details & fees
Review effective IRR & premium
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Organize multiple loans and compare Snowball vs Avalanche payoff strategies.
Avalanche (high-interest first) saves more money. Snowball (smallest balance first) builds psychological momentum. Use both to find your path to zero debt.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
List all active loans/cards
Set extra monthly payment
Compare payoff strategies
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Track total net worth: assets (investments, property) minus liabilities.
The ultimate scorecard. Track your year-on-year trajectory. A common benchmark: (Age - 25) * (Annual Income) / 10.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
List financial assets
Declare all liabilities/loans
Analyze asset allocation ratios
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Calculate Lean, Standard, and Fat FIRE targets based on the 4% (3.33% India) rule.
Your target corpus to sustain life without working. In India, use 30x annual expenses to counter 6% inflation risk.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter annual living expenses
Select Safe Withdrawal Rate
Review FIRE target tiers
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Get a score based on savings rate, debt ratio, and emergency reserves.
Evaluates habits across savings, debt-to-income, and liquidity. Scoring above 80/100 indicates strong retirement readiness.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Provide income & savings
Input monthly EMIs & debt
Review health score recommendations
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Calculate the safety net required to cover 6-12 months of expenses.
Aim for 6 months (salaried) or 12 months (freelance). Factor in 14% medical inflation and essential EMIs to prevent loan defaults during job loss.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter essential monthly expenses
Declare loan EMIs
Select risk-based coverage duration
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Optimize shared expenses, tax regimes, and joint wealth for dual-income couples.
Modern couples use 'Proportional Split' to maintain fairness. Optimize Section 80CCD(2) and joint home loan interest to save significant taxes.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input individual incomes
Detail shared household expenses
Select allocation split method
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Balance the financial pressure of supporting aging parents and raising children.
Prioritize your own retirement first. Use education loans for children and comprehensive insurance for parents to preserve your core wealth corpus.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
List independent & dependent costs
Input parent insurance limits
Model future cashflow trajectory
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Simulate income loss and calculate 'Survival Runway' using severance and EPF.
Account for 2-day F&F rules. You can withdraw 75% of EPF after 1 month of unemployment. Calculates your 'Cash Burn Rate' survival timeline.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input monthly cash burn rate
Provide severance & liquid assets
Calculate survival months runway
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Calculate tips and split bills effortlessly for modern UPI payments.
Service charges are optional per CCPA 2022. This tool splits bills accurately for seamless UPI transfers among friends.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter bill subtotal
Select tip percentage
Split among friends for UPI
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Estimate monthly power bill based on 2026 state-wise slab tariffs.
Calculated using graded slabs. In cities like Mumbai, rates jump significantly above 300 units. Factors in solar net-metering offsets.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Select state & service provider
Enter units consumed (kWh)
Analyze slab & fixed charge breakdown
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Calculate ideal AC tonnage based on room dimensions and sun exposure.
Prevents energy waste. For a 150 sq.ft room in India, 1.5 Ton is standard, but climate extremes may require 2 Ton inverters.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Enter room dimensions
Provide ambient sun exposure factors
Calculate recommended BTU tonnage
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.
Calculate gross margin and markup including latest GST slabs.
Distinguishes between Margin (Profit/Price) and Markup (Profit/Cost). Accounts for 18% or 28% GST to protect net profitability.
Investors & Wealth Builders
Financial figures & time duration
Interactive charts & detailed financial breakdown
Input cost price
Specify margin or markup target
Select GST slab for final price
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
Use the 'Breakdown' charts to see exactly where your money is being allocated.
Export the result if you need to share it with a financial professional.