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Loans Stamp Duty & Registration Calculator A cost that rarely makes it into the budget spreadsheet. e.g. Rs 60L home in Maharashtra~Rs 3.6L extra at registration Tax ESOP Taxation Calculator Perquisite tax at exercise, capital gains tax at sale. e.g. 1,000 shares, Rs 450 spreadtwo separate tax events Investing Impact of 1% Calculator See what a 1% fee or return difference compounds into over decades. e.g. 1% drag on Rs 10,000/mo, 20 yrsRs 12.5L lost Tax HUF Tax Planning Calculator A second set of slabs for the same family, if structured right. e.g. Rs 6L routed via HUFreal annual tax saved Tax Salary / Take-Home Calculator See what actually lands in your account from your CTC. e.g. Rs 12L CTC~Rs 94K/mo take-home Savings NSC Calculator Work out your National Savings Certificate maturity value. e.g. Rs 1L, 5 yrs at 7.7%Rs 1.45L Loans Prepay vs Invest Extra cash: pay down the loan, or invest it instead? e.g. Extra Rs 5,000/mo, 20-yr loanRs 2.4L saved by prepaying Investing Lumpsum & Existing Holdings Projector Project EPF, PPF, NPS and other holdings forward, each at its own rate. e.g. EPF + PPF + NPS, 8 yrsblended projection Retirement Health Insurance Cover Adequacy Calculator Is your health cover actually enough, or just a round number? e.g. Age 35, family of 3, metrorecommended cover vs your gap Investing Cost of Delay Calculator What starting your SIP late really costs - and the catch-up SIP needed. e.g. Start 5 yrs late~Rs 90L less at 25 yrs Investing Advanced SIP Calculator Project, goal and existing corpus in one, with a realistic market path. e.g. Rs 10,000/mo, 15 yrsRs 50.4L Retirement Atal Pension Yojana Calculator See the monthly contribution and guaranteed pension for your age. e.g. Age 25, Rs 5,000 pensionRs 376/mo Tax US Expatriation / Green Card Exit Tax Calculator A deemed sale of everything you own, the day before you leave. e.g. $2.5M net worth, $1.5M gainsestimated exit tax exposure Budgeting Emergency Fund Calculator Find out how much of a safety net you need. e.g. $4,000 expenses6mo target Budgeting 50/30/20 Budget Calculator Split your paycheck into needs, wants, and savings. e.g. $5,000 pay50/30/20 split Budgeting ACA Subsidy Cliff Calculator One extra dollar past 400% of FPL costs your whole subsidy. e.g. $65K MAGI, household of 2subsidy at risk Investing 1031 Exchange Calculator Full deferral needs equal-or-greater value, not just a like-kind swap. e.g. $800K sale, $120K depreciationtax deferred vs selling outright Savings High-Yield Savings Calculator See what a better savings rate earns you over time. e.g. $5,000 at 4.5%, 5 yrs$6,280 Retirement Roth vs Traditional Calculator Pay tax now, or later? See which wins. e.g. Same $500/mo, 30 yrsRoth wins by ~$40K tax-free Retirement Required Minimum Distribution (RMD) Calculator A required withdrawal you can't skip, with a real penalty for missing it. e.g. $600K balance, age 75this year's required distribution Retirement Social Security Estimator Claim at 62, 67, or 70? Compare your benefit. e.g. $2,000 at 67$2,480 if you wait to 70 Retirement Safe Withdrawal Rate Backtester How often your withdrawal rate would have survived US market history. e.g. 4% over 30 years, 60% equityhistorical success rate Retirement Roth Conversion Ladder Calculator Each conversion needs its own 5-year clock before it's penalty-free. e.g. $40K/yr conversiontax due now and your access date Budgeting Net Worth Calculator Add up what you own, subtract what you owe. e.g. $250K assets, $150K debt$100K net worth