Pillar Reference

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Budgeting & Cashflow Engines. Each calculator is optimized for precision and compliant with latest financial standards.

financial health planning

3 Tools

Couples Financial Planner

Interactive

Optimize shared expenses, tax regimes, and joint wealth for dual-income couples under the New Tax Act 2025.

Modern Indian couples use the 'Proportional Split' method (Equity-based) to maintain fairness. Under the New Tax Act 2025, dual-income households can combinedly save over ₹5 Lakhs in taxes by optimizing Section 80CCD(2) and joint home loan interest. This tool models your joint wealth trajectory.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter your core financial variables into the specialized input panel on the left.
2
Adjust sliders or toggles to model different scenarios and immediate impact.
3
The results section will update in real-time with visual charts and data.

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Sandwich Generation Cashflow Planner

NewInteractive

Try Tool

Balance the financial pressure of supporting aging parents and raising children. Optimize cashflows for dual-caregiver households.

Indian millennials in 2026 face a 'double squeeze': 15% medical inflation for parents and 10% education inflation for kids. A healthy 'Sandwich' plan prioritizes self-retirement first, using education loans for kids and comprehensive base insurance for parents to preserve the core corpus.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter your core financial variables into the specialized input panel on the left.
2
Adjust sliders or toggles to model different scenarios and immediate impact.
3
The results section will update in real-time with visual charts and data.

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Job Loss Emergency Planner

Interactive

Try Tool

Simulate a loss of income and calculate your 'Survival Runway' using severance, liquid assets, and EPF buffers.

A job loss runway in 2026 must account for the 2-day F&F settlement rule and the ability to withdraw 75% of your EPF after 1 month of unemployment. This tool calculates how many months you can survive based on your 'Cash Burn Rate' and severance package.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter your core financial variables into the specialized input panel on the left.
2
Adjust sliders or toggles to model different scenarios and immediate impact.
3
The results section will update in real-time with visual charts and data.

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

life stage planning

2 Tools

Divorce Financial Impact Calculator

Interactive

Try Tool

Estimate the economic impact of divorce: alimony commitments, asset division, and post-transition cashflow audit.

Divorce in India often leads to a 30-50% 'Wealth Erosion' due to legal fees and asset fragmentation. This tool estimates alimony based on standard 25% income benchmarks and models your post-divorce disposable income to ensure survival and recovery.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter your core financial variables into the specialized input panel on the left.
2
Adjust sliders or toggles to model different scenarios and immediate impact.
3
The results section will update in real-time with visual charts and data.

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Study Abroad Financial Planner

Interactive

Try Tool

Plan foreign education costs in INR: tuition, living, LRS TCS rules, and bank Forex markups for 2026.

Studying abroad in 2026 costs 15-20% more than the sticker price due to 5% LRS TCS (for self-funded) and 2-3% bank Forex spreads. This planner converts foreign tuition into real INR impact, helping you calculate the exact SIP needed to bridge the gap.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter your core financial variables into the specialized input panel on the left.
2
Adjust sliders or toggles to model different scenarios and immediate impact.
3
The results section will update in real-time with visual charts and data.

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

daily spending

3 Tools

Tip Calculator

Interactive

Try Tool

Calculate tips and split bills effortlessly. Precise rounding for modern UPI-based restaurant payments.

In India, while a 10% tip is standard in urban dining, service charges are optional per CCPA 2022 guidelines. This tool helps you calculate a fair tip and split the bill among friends for seamless UPI transfers.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter your core financial variables into the specialized input panel on the left.
2
Adjust sliders or toggles to model different scenarios and immediate impact.
3
The results section will update in real-time with visual charts and data.

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

Electricity Bill Calculator

Interactive

Try Tool

Estimate your monthly power bill based on 2026 state-wise slab tariffs and solar net-metering offsets.

Electricity bills in 2026 are calculated using graded slabs. In cities like Mumbai, rates can jump from ₹3 to ₹11 per unit once you cross the 300-unit threshold. This tool models state-specific tariffs (Maharashtra, Delhi, Karnataka) and factors in solar savings.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter your core financial variables into the specialized input panel on the left.
2
Adjust sliders or toggles to model different scenarios and immediate impact.
3
The results section will update in real-time with visual charts and data.

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

AC Size & BTU Calculator

Interactive

Try Tool

Calculate the ideal AC tonnage (BTU) for your room based on dimensions, sun exposure, and occupants for Indian summers.

Choosing the right AC tonnage prevents 'Over-cooling energy waste' or 'Under-cooling compressor stress'. For a 150 sq.ft room in India, 1.5 Ton is standard, but if it's west-facing with thin insulation, you may need a 2 Ton Inverter unit for 2026 climate extremes.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter your core financial variables into the specialized input panel on the left.
2
Adjust sliders or toggles to model different scenarios and immediate impact.
3
The results section will update in real-time with visual charts and data.

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.

business ops

1 Tools

Margin Calculator

Interactive

Try Tool

Calculate gross margin, profit markup, and selling price including latest 2026 GST slabs.

In a competitive 2026 market, business owners must distinguish between Margin (Profit ÷ Selling Price) and Markup (Profit ÷ Cost). This calculator ensures your selling price accounts for the 18% or 28% GST impact to protect your net profitability.

Best For

Investors & Wealth Builders

Data Required

Financial figures & time duration

Output

Interactive charts & detailed financial breakdown

Step-By-Step Usage

1
Enter your core financial variables into the specialized input panel on the left.
2
Adjust sliders or toggles to model different scenarios and immediate impact.
3
The results section will update in real-time with visual charts and data.

Strategic Analysis

A
Analyse the 'Post-Tax' vs 'Pre-Tax' impact to understand your real net gains.
B
Use the 'Breakdown' charts to see exactly where your money is being allocated.
C
Export the result if you need to share it with a financial professional.