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8 Free Calculators · Financial Planning

Planning Calculators

Retirement, stamp duty, brokerage, net worth & more — plan your financial future, live.

🎂 Your age & retirement plan
Current age
yrs
Retirement ageTypically 60
yrs
Life expectancyDefault 85
yrs
💰 Expenses & returns
Current monthly expensesToday's spend — grows with inflation
₹
Inflation rateIndia avg 6%
%
Post-retirement return
%
🏦 Current savings
Current savings & investmentsGrows at 10% pre-retirement return
₹

Retirement corpus breakdown

🏠 Fixed / physical assets
Real estateCurrent market value
₹
Gold & jewelleryMarket value
₹
VehiclesCurrent resale value
₹
📈 Financial assets
Bank savings & FDs
₹
Mutual funds & stocksCurrent value
₹
EPF + PPF + NPS balance
₹
💳 Total liabilities
Home loan outstanding
₹
Car + personal + other debts
₹

Net worth breakdown

🎯 Your savings goal
What are you saving for?
💰 Target & timeline
Target corpus
₹
Years to achieve goal
yrs
📊 Expected return
Conservative 7% (FD) · Balanced 10% · Equity 12%

Savings goal breakdown

💰 Monthly fixed expenses
Essential monthly spendRent/EMI + groceries + utilities + insurance
₹
🛡️ Employment stability
Determines months of buffer to keep

Emergency fund breakdown

💰 Today's amount
Amount todayGoods price, expense, salary, savings
₹
📈 Inflation rate
CPI avg 5–7% · Education 8–10% · Healthcare 10–12%
🗓️ Time period
Years into the future

Inflation impact breakdown

📍 Select state
Stamp duty varies significantly by state · 2025 rates
🏢 Property value & buyer
Property valueAgreement / circle rate — whichever higher
₹
Buyer gender / ownership

Stamp duty & registration breakdown

📊 Trade type
Exchange charges differ by segment
💰 Trade details
Buy price per share / unit
₹
Sell price per share / unit
₹
Quantity
units
🏦 Broker type

Charges breakdown

🏠 Property details
Property purchase price
₹
Monthly rentRent you pay / would pay
₹
🏦 Loan details
Down payment
%
Home loan interest rate
%
Loan tenure
yrs
📈 Returns & holding
Property appreciation
%/yr
Investment returnIf you rent & invest down payment
%
Comparison period
yrs

Rent vs buy breakdown

Eight planning tools, one screen

This hub bundles the eight most-used personal-finance calculators for Indian households — retirement corpus, net worth, goal-based SIP, emergency fund, inflation, stamp duty (14 states), stock-market brokerage & charges, and the classic rent-vs-buy debate. Every tool computes live as you type — no steps, no submit button.

₹2,500
Max professional tax/yr — but stamp duty can run into lakhs
6%
India's long-run average inflation — erodes purchasing power fast
3–9 mo
Emergency-fund buffer depending on job stability
14 states
Stamp duty rates covered, with female-buyer concessions

Key concepts explained

Retirement corpus & inflation

Your future expenses grow with inflation. The corpus is the lump sum that, invested at your real return (post-retirement return minus inflation), sustains that spend from retirement until your life expectancy. Current savings grow at 10% pre-retirement.

Net worth = assets − liabilities

Add physical assets (property, gold, vehicles) plus financial assets (bank, MFs, EPF/PPF/NPS), then subtract all outstanding loans. A healthy debt-to-asset ratio stays well below 50%.

Goal-based SIP

To reach a target corpus by a deadline at an expected return, the monthly SIP is derived from the future-value-of-annuity formula. Equity SIPs (12%) need a far smaller monthly outlay than debt (7%).

Stamp duty & Section 80C

Stamp duty and registration are state levies on the higher of agreement or circle rate. For a residential purchase, both are deductible under Section 80C (within the ₹1.5 lakh cap, old regime).

Brokerage & statutory charges

Beyond brokerage, a trade attracts STT, exchange transaction charges, SEBI fees, stamp duty and 18% GST on brokerage. Delivery, intraday and F&O each have different STT and stamp rates.

Rent vs buy

Buying builds equity as the property appreciates and the loan amortises. Renting frees the down payment to invest. This tool compares financial wealth under both paths over your holding period — non-financial factors matter too.

Disclaimer: Indicative estimates only. Stamp duty rates are approximate 2025 figures and may vary by locality; always verify with the state government's official schedule before registration. Rent-vs-buy reflects financial wealth only — consider stability and forced-savings benefits too. Consult our CA team for current rates and tax advice.