Calculators & Interactive Tools
Deterministic, private, client-side financial tools designed to model wealth compounding, bank interest with statutory TDS withholding, and personal income tax under current Finance Act provisions. Zero data leaves your browser.
1. Investment & Wealth
Compounding & Capital GainsSIP & Step-Up SIP Calculator
Model monthly systematic investment accumulation with optional 0–10% annual step-ups, inflation purchasing power discounting, and lot-by-lot equity capital gains taxation.
- 0–10% customizable annual step-up
- Section 112A equity LTCG (12.5%) & STCG (20%)
- Inflation-adjusted real purchasing power
- Timing: Month-beginning vs Month-end
Lumpsum Investment Calculator
Calculate one-time investment compounding across mutual funds and equities, with statutory ₹1.25 Lakh annual LTCG tax exemption and post-tax net corpus.
- Flexible tenure from 1 to 30 years
- Annual ₹1,25,000 LTCG exemption deducted
- Real net corpus adjusted for consumer inflation
- Tax-saving vs post-tax return comparisons
Systematic Withdrawal Plan (SWP)
Plan monthly retirement income and cashflow. Separates return of capital from capital gains on FIFO unit redemption to test corpus survival.
- Depletion alert if withdrawal exceeds growth
- FIFO unit cost accounting for tax segregation
- Annual purchasing power adjustment (inflation)
- Longevity simulator across return scenarios
2. Savings & Banking
Deposits & TDS AccountingFixed Deposit & RD Calculator
Compute term deposit compounding under RBI quarterly compounding standards. Distinguishes interim bank TDS from investor tax slab payable.
- RBI standard quarterly compounding schedule
- Section 194A TDS threshold (₹40,000 / ₹50,000)
- Customizable senior citizen rate premiums
- Cumulative vs monthly interest payout options
3. Tax & Personal Finance
Statutory Slabs & Budget AllocationsIncome Tax Calculator (AY 2026-27)
Calculate exact direct tax liability under Section 115BAC new tax regime slabs. Includes Section 87A ₹12 Lakh rebate, standard deduction, and marginal relief.
- New Tax Regime slabs (Finance Act 2025)
- Rebate u/s 87A (Nil tax up to ₹12.00 Lakh income)
- Marginal relief boundaries above ₹12 Lakh & ₹50 Lakh
- Non-hypothecated citizen tax receipt breakdown
Where Money Goes (Union Budget Allocation)
Explore how national revenue is distributed across Defence, Infrastructure, Subsidies, and Interest Servicing based on Union Budget Statement 1 totals.
- ₹48,20,512 Crore Union Budget outlays
- Proportional equivalent per 100 paise of revenue
- Article 266 Consolidated Fund non-hypothecation
- Interactive departmental allocation table