A SIP calculator that doesn’t oversell the final number
Most calculators show a big future corpus and leave it there. This one keeps going: inflation cuts that number meaningfully, and capital-gains tax cuts it again. Both are visible here, alongside the headline figure.
Calculators
Old vs new tax regime calculator
Compare estimated tax under both regimes for FY 2025-26 / AY
2026-27 using salary and old-regime deductions.
HRA exemption calculator
Calculate HRA exemption for old-regime users using rent, salary,
HRA received and metro/non-metro city.
ESOP & RSU tax calculator
Estimate tax at exercise (perquisite) and at sale (capital gains) for
listed, unlisted/startup and foreign RSU shares.
SIP calculator
Project a SIP with annual step-up, see the inflation-adjusted real
value, and the post-tax corpus after LTCG. Year-by-year breakdown.
How much SIP for ₹1 crore?
Goal calculator and a grid of monthly SIPs needed at common return
rates and time horizons, with and without step-up.
EMI calculator
Calculate EMI, total interest and year-by-year repayment for home,
car and personal loans.
Loan calculators
Home loan EMI calculator
Long-tenure repayment schedule, total interest and why prepayment
timing matters.
Car loan EMI calculator
Shorter-tenure loan math with down payment and depreciation context.
Personal loan EMI calculator
Higher-rate unsecured loan math, total interest and affordability
checks.
Guides
How SIP returns are measured
Absolute return, CAGR and XIRR explained, with worked numbers on the
same SIP. Why apps disagree on the same fund.
Why rich people keep money in savings and FDs
What Vijay’s ₹213 crore savings balance actually reveals
about how money sits, and the question every portfolio should ask.