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Investing Reach a Goal Work out the monthly SIP needed to hit a target. e.g. Target Rs 1Cr in 10 yrsRs 43,000/mo Retirement NPS Tier 2 vs Mutual Fund Calculator Same growth, very different tax on the way out. e.g. Rs 15,000/mo, 15 yrswhich nets more after tax Savings Bank FD vs Corporate FD Calculator The extra rate is compensation for extra credit risk. e.g. ₹5L, 3 yrsthe credit-risk premium, quantified Tax ELSS Calculator 80C saving, three-year lock-in, and the LTCG bill on exit. e.g. ₹12,500/mo, 3 yrsmaturity plus ₹1.35L of 80C relief Loans Home Loan Balance Transfer Calculator A lower rate only wins if you clear the transfer-cost breakeven. e.g. Rs 40L balance, 9.5%8.4% -> real savings after fees Retirement NPS Calculator Corpus, tax-free lump sum, and the pension after tax and inflation. e.g. Rs 10,000/mo from 30Rs 2.3Cr at 60 Savings FD vs Debt Mutual Fund Calculator Guaranteed slab-rate tax, or market-linked slab-rate tax. e.g. ₹5L, 5 yrsFD vs debt fund, post-tax Retirement NRI Return-to-India Retirement Bridge Calculator A short window where your foreign income stays outside Indian tax. e.g. 15 yrs abroadyour estimated RNOR restructuring window Loans Rent vs Buy Calculator Would renting and investing the difference beat buying? e.g. Rs 60L home, Rs 20K rentbreak-even year Savings Simple Interest Calculator Work out interest on a fixed principal, no compounding. e.g. Rs 1L at 8%, 3 yrsRs 24,000 interest Retirement NPS vs EPF vs PPF Calculator Different lock-ins, different tax rules, different equity exposure. e.g. ₹10K/month, 25 yrsretirement corpus, three ways Tax ESOP Taxation Calculator Perquisite tax at exercise, capital gains tax at sale. e.g. 1,000 shares, Rs 450 spreadtwo separate tax events Tax QBI (Section 199A) Deduction Calculator A hard cliff for service businesses, a softer landing for everyone else. e.g. $180K QBIactual deduction after the SSTB/wage limits Budgeting Emergency Fund Calculator Find out how much of a safety net you need. e.g. $4,000 expenses6mo target Loans Mortgage Points Buy-Down Calculator The breakeven decides everything, not the rate on the brochure. e.g. 2 points on $400Kbreakeven vs your planned years in the home Savings HSA Calculator See how an HSA grows with its triple tax break. e.g. $3,000/yr, 20 yrs$130K tax-free Retirement Retirement Number Calculator Find the number you need to retire comfortably. e.g. $4,000/mo expensesyour number Savings 529 Plan vs Custodial Brokerage Calculator Tax-free growth with strings attached, or no strings with a tax bill. e.g. $300/mo, 10 yrs529 vs UTMA/UGMA, post-tax Savings Compound Interest Calculator Watch a lump sum snowball over time. e.g. $10,000 at 7%, 10 yrs$19.7K 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 Savings CD Ladder Calculator Spread savings across CDs for steady, staggered returns. e.g. $20,000 across 5 rungs4.5% average yield Retirement Solo 401(k) vs SEP IRA Calculator The employee-deferral gap that usually decides which plan wins. e.g. $150K net SE incomeextra room with Solo 401(k) 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 Loans Payoff vs Invest Extra cash: pay down debt, or invest it instead? e.g. Extra $300/mo, 20-yr loan$9,800 saved by paying off
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