SIP · EMI · Income Tax (Old vs New 2025-26) · GST · PPF · NPS · FD · RD · FIRE · CAGR · DCF · Goal Planner · Retirement — all free, no login, with inflation adjustment.
Systematic Investment Plan (SIP) lets you invest a fixed amount monthly into mutual funds using rupee cost averaging. Even ₹1,000/month can become significant wealth through the power of compounding over long horizons.
Step-up SIP increases your monthly SIP by a fixed % every year — aligned with salary increments. Even a 10% annual step-up can nearly double your final corpus compared to a flat SIP over 20 years. Start small, grow steadily.
A one-time lumpsum investment grows through compounding. Best when you have a large amount ready — in equity mutual funds, stocks, or fixed instruments. Timing risk exists; most effective over long horizons of 7+ years.
Compare both strategies with the same total capital. SIP benefits from rupee cost averaging in volatile markets; Lumpsum can outperform in consistently rising markets. The winner depends on timing and market conditions.
Equated Monthly Installment (EMI) is the fixed monthly payment for a loan — principal + interest. Plan home, car, or personal loans. Compare rates across banks before applying — even 0.5% difference matters over 20 years.
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
|---|---|---|---|---|
Fixed Deposit (FD) is a risk-free savings instrument. Your money earns a fixed interest rate for a chosen tenure. Interest is taxable as per your income slab — if it exceeds ₹40,000/year, TDS at 10% applies. Senior citizens get 0.25–0.50% higher rates.
Recurring Deposit (RD) lets you deposit a fixed amount monthly with guaranteed returns. Indian banks compound RD interest quarterly. Suitable for disciplined savers who want guaranteed returns without committing a lump sum.
Public Provident Fund (PPF) is a government-backed tax-free scheme with 15-year lock-in. Deposits qualify for Section 80C deduction. Maximum ₹1.5L/year. Current rate: 7.1% p.a. Interest is EEE — Exempt at investment, accumulation, and maturity.
National Pension System (NPS) is a market-linked pension scheme. At 60, withdraw 60% tax-free; 40% buys an annuity for monthly pension. Extra ₹50,000 deduction under Section 80CCD(1B) over the 80C limit.
Work backwards from your financial goal — child's education, marriage, house down payment — to find exactly how much to invest monthly via SIP or as lumpsum. Enable inflation toggle to see the real future cost of your goal.
Plan your retirement corpus using the 4% safe withdrawal rule — a globally accepted benchmark ensuring your corpus lasts 25+ years. Inflation is the silent enemy: costs double every 12 years at 6% p.a.
Calculate your FIRE number — the exact corpus at which your investments generate enough passive income to cover your expenses forever. Work becomes optional.
FIRE stands for Financial Independence, Retire Early — a movement popularised by the book Your Money or Your Life (Vicki Robin, 1992) and the mathematical framework from the Trinity Study (1998). The premise: accumulate enough invested wealth so that portfolio returns exceed your annual spending — permanently. Work becomes optional, not mandatory.
In India, FIRE is gaining momentum among millennials in tech, finance, and entrepreneurship who are disillusioned with the traditional 35-year work cycle. With disciplined saving and equity returns averaging 12–14% CAGR over long periods, retiring in your 30s or early 40s is mathematically achievable.
Calculate net worth and savings rate. Track every rupee for 3 months. Eliminate high-interest debt (credit cards, personal loans). Build a 6-month emergency fund in a liquid fund or sweep FD.
Maximise savings rate to 40–60%+. Invest in low-cost equity index funds (Nifty 50 + Nifty Next 50). Utilise PPF for tax-free debt allocation. Avoid lifestyle inflation as income rises.
You've invested enough that compounding alone will reach your FIRE number — even with zero more contributions. Huge mental milestone. You could switch to part-time work now.
Corpus is 60–90% of FIRE number. Refine your expense model. Start shifting 10–15% allocation toward debt/balanced advantage funds to reduce volatility as you near the finish line.
Portfolio generates enough to cover all expenses at your chosen SWR. Withdraw annually from the worst-performing asset class to naturally rebalance. Keep 2 years' expenses in FDs as market buffer. Focus on purpose, health, and relationships — money is solved.
GST (Goods and Services Tax) slabs: 5% (essential goods), 18% (standard services & goods), 40% (luxury/special items). Exempt = 0% GST. Tax is split equally as CGST + SGST. Use Exclusive to add GST to a net price; Inclusive to extract GST from a gross price.
New Regime (Default): 0% up to ₹4L · 5% (₹4–8L) · 10% (₹8–12L) · 15% (₹12–16L) · 20% (₹16–20L) · 25% (₹20–24L) · 30% above ₹24L. Standard deduction ₹75,000. Income up to ₹12L taxable is effectively tax-free via Sec 87A (rebate ₹60,000). 80C, 80D, HRA, Home Loan interest — NOT allowed.
Old Regime: 0% up to ₹2.5L · 5% (₹2.5–5L) · 20% (₹5–10L) · 30% above ₹10L. All deductions allowed. Standard deduction ₹50,000.
Compound Annual Growth Rate (CAGR) measures the smoothed annual growth rate of an investment, ignoring year-to-year volatility. It is the most accurate way to compare performance across mutual funds, stocks, and time periods.
Discounted Cash Flow (DCF) estimates the intrinsic value of a stock or business by discounting projected future cash flows to present value. If intrinsic value > market price, the stock may be undervalued. Used by Warren Buffett and professional fund managers.
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