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personal finances
From your monthly salary to retirement corpus - every calculation you need to understand where your money is, where it's going, and how to make it grow. Free, accurate, and updated for current FY.
All personal finance tools
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Salary Calculator
Convert CTC to in-hand salary. Breakdown of basic, HRA, PF, professional tax, and take-home pay under old and new tax regimes.
Budget Planner
50/30/20 rule budget tool. Categorise needs, wants and savings, get a budget health score, and see savings projections over time.
Net Worth Calculator
Track all assets and liabilities. Editable categories — cash, investments, property, gold, loans. Compare against age benchmarks.
Inflation Calculator
See the future cost of today's expenses, purchasing power erosion, and real returns after inflation. India CPI history 2005–2024.
Gratuity Calculator
Calculate gratuity payout under the Payment of Gratuity Act 1972 based on last drawn salary and years of service.
EPF / PF Calculator
Employee Provident Fund maturity, EPS pension estimate, VPF impact, employer vs employee contribution split. Year-by-year statement.
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Related comparison tools
Side-by-side comparisons that help you make the biggest financial decisions.
Personal Finance Calculators for India - Why They Matter
Personal finance is not complicated - but it is consequential. The decisions you make about your salary structure, how much to save, where to invest, and when to retire compound over decades into dramatically different financial outcomes. Two people earning the same salary can end up with ₹50 lakh or ₹5 crore at retirement depending entirely on the financial decisions they made in their 30s.
These calculators are designed to make those decisions quantitative rather than intuitive. Instead of guessing whether you're saving enough, the retirement planner shows you exactly how much corpus you need and whether your current SIP will get you there. Instead of wondering if your salary structure is optimal, the salary calculator breaks down every component and shows the exact tax impact of each regime.
How to use these calculators together
The most powerful approach is to use these tools as a connected system rather than in isolation. Here's a recommended sequence for someone new to personal finance planning:
The core principles of personal finance in India
While each calculator handles a specific calculation, they all reflect a few fundamental principles that drive sound personal finance decisions in the Indian context:
Automate savings at the start of every month - SIP, PPF, EPF VPF. Don't save what's left after spending; spend what's left after saving. This single habit change is responsible for more wealth creation than any investment return.
At 6% inflation, prices double every 12 years. An FD at 7% in the 30% bracket earns 4.9% post-tax - barely keeping pace. Long-term wealth requires equity exposure. The inflation calculator makes this tangible with real numbers.
A 30% tax bracket investor in FD keeps only 4.9% of a 7% return. The same investor in equity SIP keeps approximately 10.5–11% of a 12% return (LTCG at 12.5% with ₹1.25L exemption). Over 20 years, this difference is enormous.
High income with poor savings habits leads to low net worth. Moderate income with disciplined savings leads to financial independence. The net worth calculator tracks the number that actually matters - accumulated wealth, not cash flow.
At 6% inflation, ₹60,000/month of expenses today costs ₹1.93L/month in 30 years. Funding 25 years of ₹1.93L/month at 7% post-retirement return requires ₹2.4 crore. These are real numbers - the retirement planner makes them unavoidable.
Increasing savings rate from 10% to 20% of income is much harder than going from 20% to 30%. But the compound effect is asymmetric - an extra 10% savings rate over 25 years can add ₹80–100L to your retirement corpus on a ₹1L/month income.