Savings & Deposits Calculators
Calculate interest and maturity returns for post office schemes, PPF, EPF, and fixed deposits.
Available Tools
Calculate your ideal monthly budget using the 50/30/20 rule. Plan your rent, EMIs, guilt-free spending, and wealth-building investments perfectly.
Stop guessing your safety net. Calculate exactly how many months of expenses you need to survive job loss, medical emergencies, or recessions in India.
Calculate maturity wealth accumulations for Employee Provident Fund (EPF) and VPF.
Calculate maturity values and interest returns on quarterly compounded fixed deposits (FD).
Calculate the exact term insurance cover required to protect your family's lifestyle, clear debts, and fund your children's future education.
Calculate maturity periods and returns for Kisan Vikas Patra (KVP) savings.
Estimate your retirement lumpsum corpus and monthly pension payouts from NPS.
Calculate maturity amounts and interest for NSC investments.
Calculate monthly interest payouts for POMIS investments.
Calculate compounding returns for 1, 2, 3, or 5-year Post Office Term Deposits.
Calculate compounding growth, interest, and maturity values on Public Provident Fund (PPF).
Calculate maturity values on monthly compounding recurring deposits (RD).
Calculate quarterly payouts and interest earnings from the Senior Citizens Scheme (SCSS).
Calculate maturity growth for Sukanya Samriddhi accounts for girl child savings.
Guides & Analysis
10 Money Mistakes in Your First 5 Working Years in India
Avoid the 10 costliest financial traps young Indian professionals make in their 20s. Learn the compounding cost of delay, bad insurance, and debt traps.
The 3-Account Money System: How to Organize Your Salary in India
Automate your salary with the 3-Account Money System. Separate fixed bills, guilt-free spending, and wealth creation to eliminate money stress in India.
Advance Tax Explained for Individuals: Who Needs to Pay It?
A complete guide to advance tax in India under Section 208: ₹10,000 threshold, quarterly due dates, interest penalties under 234B/234C, and online payment.
AIS and TIS Explained: How to Check Your Income Tax Data
A complete guide to the Annual Information Statement (AIS) and Taxpayer Information Summary (TIS), submitting feedback, and preventing tax notices.
How to Use Your Annual Bonus Without Wasting It: Indian Framework
Learn the 50-30-20 rule for annual corporate bonuses in India. Discover how to prepay debt, supercharge investments, and enjoy rewards with zero guilt.
Annual Financial Checkup: 12 Numbers Every Indian Must Review
Conduct your yearly personal financial audit in India. Review the 12 essential numbers: net worth, savings rate, term cover, emergency buffer, and asset mix.
Assets vs Liabilities: How to Know If You Are Building Wealth
Understand the true difference between assets and liabilities in India with real rupee comparisons, rental yield math, and portfolio frameworks.
How to Budget for Annual Expenses in India: Step-by-Step Guide
Master annual expense planning in India. Learn how to audit, amortize, and automate sinking funds for insurance, school fees, repairs, and festival gifting.
The Complete Indian Budgeting Guide: From Paycheck to Prosperity
Master household budgeting in India: the adapted 50/30/20 rule, zero-based budgeting, tracking cash flow leaks, and automated sinking funds.
The Complete Family Financial Plan: Master Architecture for India
The master family financial blueprint for India: cash flow design, emergency reserves, insurance shields, debt elimination, goal funding, and retirement.
How Couples Should Plan a Household Budget Together in India
Master couple budgeting in India. Compare the 'Yours, Mine, and Ours' system, manage joint expenses, align on financial goals, and eliminate money fights.
ELSS vs PPF: Understanding Lock-In, Tax and Risk in India
ELSS vs PPF compared: analyze 3-year vs 15-year lock-in, market returns vs 7.1% sovereign safety, EEE vs EET tax status, and Section 80C optimization.
Emergency Fund vs Short-Term Savings: Key Differences in India
Learn the crucial differences between an emergency fund and short-term savings in India. Discover where to park cash, tax impacts, and liquidity rules.
How Much Emergency Fund Do You Really Need in India?
Stop blindly saving 6 months of expenses. Learn why 3 months is enough for some, why freelancers need 12 months, and how to calculate your true safety net.
Employer vs Personal Health Insurance: Why Corporate Cover Fails
Compare corporate group health insurance vs personal mediclaim in India: job-loss risks, post-retirement gaps, sub-limits, and porting strategies.
EPF Explained in India: Contributions, Interest & Withdrawals
The master guide to Employee Provident Fund (EPF) in India: 12% contribution breakdown, EPFO interest compounding, EPS pension, and UAN withdrawal rules.
EPF vs PPF: Which Is Better for Your Retirement?
Should you invest in EPF or PPF? Discover the brutal math of India's biggest retirement accounts, the power of VPF, and how your job dictates the winner.
Family Floater vs Individual Health Insurance: Structural Guide
Compare Family Floater vs Individual Health Insurance in India: premium calculations, claim pooling, elder member impact, and optimal portfolio architecture.
How FD Interest Is Taxed in India: TDS, Slabs, and Rules
A complete guide to fixed deposit taxation in India: Section 194A TDS limits, Form 15G/15H, slab rate taxation, and post-tax return calculations.
FD vs RD: Fixed Deposit vs Recurring Deposit Complete Guide
Compare Bank FD vs RD in India: lump-sum vs monthly cash flow, compounding frequency, TDS taxation slabs, premature penalty rules, and yield calculations.
The Financial Checklist Before Having a Baby
Having a baby alters your household cash flow. From maternity insurance traps to the single-income shock, here is the ultimate financial checklist.
How Much Health Insurance Cover Do You Need in India?
Calculate the exact health insurance cover you need in India: base vs super top-up math, city tiers, medical inflation, and critical illness safeguards.
Health Insurance Waiting Periods in India: Complete Guide
Understand health insurance waiting periods in India: initial 30 days, specific diseases, pre-existing conditions, maternity, and IRDAI portability rules.
How Long Should Your Term Insurance Policy Last in India?
Determine the ideal term insurance policy tenure in India: why whole life till 85-100 is a marketing trap, retirement alignment, and liability payoff math.
How to Calculate Your Net Worth in India: A Step-by-Step Guide
Learn how to calculate your personal net worth in India with real rupee balance sheet examples, asset classifications, and liabilities.
Income Tax Refund Explained: Process, Status, and Rules
A complete guide to income tax refunds in India: Section 237 entitlement, tracking status on NSDL/e-filing, Section 244A interest, and resolving failures.
How to Budget When Your Income Changes Every Month in India
Learn how to budget with irregular income in India. Master the Hill-and-Valley method, set a baseline salary, and manage taxes for freelancers and consultants.
Kisan Vikas Patra (KVP) Explained: Doubling Time, Rules & Tax
Master Kisan Vikas Patra (KVP) in India: 7.5% interest rate, 115-month doubling time, premature encashment after 2.5 years, taxation, and KVP vs NSC.
Lifestyle Inflation: Why Salary Hikes Don't Increase Savings in India
Break the lifestyle creep trap in India. Learn the 50% Salary Hike Rule, hedge against status spending, and turn annual appraisals into lasting wealth.
How Much Does Marriage Cost in India? Zero-Debt Wedding Fund
Plan and fund an Indian wedding without debt: realistic cost breakdowns across venues, jewelry, catering, and automated sinking funds to avoid personal loans.
The Best Tax Saving Investments Ranked (Beyond 80C)
ELSS, PPF, NPS, or SCSS? We rank India's top tax-saving investments based on returns, inflation, and liquidity so you never lock money into a toxic trap.
Mutual Funds vs Fixed Deposits: The Ultimate Wealth Guide
FDs and Mutual Funds serve different purposes. Learn how inflation destroys FDs, why equity crashes are normal, and how to build a bulletproof portfolio.
The National Pension System (NPS) Guide: Active vs Auto Choice
Master the National Pension System (NPS) in India: Tier-1 vs Tier-2 accounts, Active vs Auto choice, equity asset classes, and Section 80CCD tax benefits.
National Savings Certificate (NSC) Explained: Interest, Tax & Rules
Master National Savings Certificate (NSC) in India: 7.7% sovereign interest rate, 5-year lock-in, Section 80C benefits, and deemed reinvestment tax mechanics.
Old vs New Tax Regime: Real Salary Examples & The Brutal Math
Which tax regime saves you more? Stop reading theory. We run the exact mathematical examples for ₹6L, ₹10L, ₹15L, and ₹25L salaries to find the winner.
How to Create a Personal Cash Flow Statement in India
Master personal cash flow tracking in India. Learn step-by-step how to map monthly inflows, fixed liabilities, variable leaks, and boost your savings rate.
Post Office Monthly Income Scheme (POMIS) Explained
Master POMIS in India: 7.4% monthly interest, ₹9L single and ₹15L joint deposit limits, premature exit rules, and monthly cash flow calculations.
Post Office Time Deposit (POTD) Explained: Rates, Tax & Rules
Master POTD in India: 1, 2, 3, and 5-year interest rates, quarterly compounding, 5-year Section 80C tax relief, and POTD vs Bank FDs comparison.
PPF Explained: Sovereign Safety, Returns & EEE Tax Status
Learn about the Public Provident Fund (PPF) scheme. Understand interest calculations, withdrawal rules, and the EEE tax benefits.
PPF Extension Explained: What Happens After 15 Years in India
Master PPF account extension rules after 15 years: extend with vs without contribution, Form H deadline, 60% withdrawal cap, and tax-free compounding.
PPF vs EPF: How Two Major Retirement Schemes Differ in India
PPF vs EPF compared: compare mandatory salaried EPF vs voluntary PPF, 8.25% vs 7.1% interest rates, Section 80C limits, and retirement compounding.
PPF Withdrawal Rules Explained: Loans, Partial & Premature Closure
Master Public Provident Fund (PPF) withdrawal rules in India: Year 7 partial withdrawals, 50% limit calculation, loans against PPF, and premature closure terms.
How Much Rent Can You Afford on Your Salary in India? The Math
Calculate how much rent you can safely afford on your salary in Indian metros. Learn the 25% to 30% rule, HRA tax optimization, and hidden rental costs.
Reverse Budgeting: Save First Without Tracking Every Expense in India
Learn the reverse budgeting system in India. Automate savings first on salary day, spend the rest guilt-free, and stop tracking every tiny UPI transaction.
Room Rent, Co-Pay and Deductibles: Health Insurance Guide
Master room rent sub-limits, proportionate deductions, co-payments, and deductible mechanics in Indian health insurance to prevent massive claim cuts.
How Much EMI Is Actually Safe? The Brutal Mathematics of Debt
Your bank says you qualify for a ₹1 Lakh EMI. That doesn't mean it's safe. Discover FOIR limits and how to bulletproof your family against a job loss.
How to Allocate a Salary Hike in India: Spending, Debt, Investing
Learn the exact mathematical framework to allocate your annual salary appraisal in India between lifestyle spending, loan prepayment, and equity SIP step-ups.
Salary Slip Explained: Every Component of Your Indian Payslip
A complete breakdown of basic pay, HRA, special allowance, EPF, professional tax, and TDS on an Indian payslip to understand your true take-home.
Senior Citizens Savings Scheme (SCSS) Explained: 8.2% Income
Master Senior Citizens Savings Scheme (SCSS) in India: 8.2% quarterly interest, ₹30 lakh deposit limit, Section 80C & 80TTB benefits, and SCSS vs Bank FDs.
How to Manage Money on a Single Income in India: Practical Guide
Learn how single-income families in India thrive financially. Master the 6-pillar safety framework, emergency sizing, term cover, and automated wealth building.
Sinking Funds Explained: Save for Large Expenses Without Debt
Learn how to use sinking funds in India to pay for car insurance, vacations, festivals, and home repairs without dipping into savings or taking costly loans.
SIP vs FD: Comparing Growth, Tax, Liquidity & Risk in India
A complete guide comparing Mutual Fund SIP vs Fixed Deposit (FD) in India: returns, Section 194A taxation, emergency liquidity, and wealth compounding.
SIP vs RD: Market Growth vs Fixed Savings in India Compared
A complete guide comparing SIP vs Recurring Deposit (RD) in India: returns, compounding formulas, tax drag under Section 194A, and liquidity rules.
Sukanya Samriddhi Yojana (SSY) Explained: 8.2% Interest & Tax
Master Sukanya Samriddhi Yojana (SSY) for girl child savings: 8.2% tax-free interest, 21-year maturity rules, Section 80C benefits, and SSY vs PPF comparison.
Tax-Saving FD Explained: Lock-In, Interest & Rules in India
Master 5-Year Tax Saving Fixed Deposits: Section 80C deductions, Section 194A TDS rules, Form 15G/15H, and Tax-Saving FD vs ELSS comparison.
Where Should You Keep Your Emergency Fund? FDs vs Liquid Funds
Should you keep your emergency fund in a Savings Account, FD, or Liquid Fund? We break down liquidity, taxes, and inflation to find the perfect mix.
Zero-Based Budgeting in India: How to Give Every Rupee a Job
Master zero-based budgeting in India. Learn how to allocate every rupee of your monthly salary to expenses, sinking funds, and investments with zero waste.