Calculators & Tools

Old vs New Tax Regime Calculator

Tax under both regimes from your payslip, the exact deductions at which the old regime starts to win, and what employer NPS, 80C and HRA are worth in rupees. FY 2026-27 and FY 2025-26.

Read first: How savings-account interest is taxed

Post-Tax Return Calculator

What a gross return is actually worth after tax on equity, gold in five formats, fixed deposits and crypto — with the month a gain turns long term, and a deposit modeled on annual accrual rather than taxed once at maturity.

Read first: The same idea on one pair: fund vs deposit

F&O Turnover & Tax Audit Calculator

F&O turnover the way the ICAI Guidance Note defines it, whether a tax audit actually applies to you — a loss alone does not trigger one — and your tax, carry-forward loss and AY 2026-27 due dates.

Read first: What your broker actually charges per trade

EMI & Prepayment Calculator

EMI, total interest and payoff date, what one extra EMI a year or a lump sum saves, and the exact return you would need to beat prepaying by investing instead.

Read first: Should you be buying at all?

Rent vs Buy Calculator

The year buying overtakes renting on net worth, with your state's stamp duty, the EMI, maintenance, price and rent growth, and what the renter earns on the difference.

Read first: Buy vs rent: which saves more money

Car: Cash vs Loan vs Lease

All three ways to pay for the same car as one cost each over the years you keep it, counting what the money could have earned and what you get back on resale.

Read first: Cash vs loan vs lease, with the same example

Brokerage Charges Calculator

Compare what one trade really costs across six Indian brokers — brokerage, STT, GST, stamp duty and DP charges — using rates from their official pricing pages.

Read first: MTF explained, with broker interest rates

MTF Calculator

Work out your leverage, daily interest, breakeven, and net return on a Margin Trading Facility trade — with a live return-vs-move chart.

Read first: MTF explained with a worked example

MTF Interest Rates Compared

What 18 Indian brokers charge on MTF funding, per day and per year, by plan — every rate linked to its source and dated, with the broker's own page used wherever it states one.

Read first: See what a rate costs on your own trade

Position Size & Risk Calculator

Shares or lots for a fixed rupee risk, the R-multiple after brokerage and STT, and a survival strip showing how 0.5% to 5% risk per trade changes your odds over the next hundred trades.

Read first: MTF explained, if you trade on leverage

Mutual Fund Portfolio X-Ray

Upload your mutual fund statement and see what your regular plans cost you in rupees every year, the return you have actually earned, and how your money is spread. Read in your browser, never uploaded.

Credit Card Reward Calculator

What your cards actually return on your spend after monthly caps, excluded categories, annual fees and forex — from eight issuers' own terms — and which card to use for what.

Read first: Every credit card fee explained

Credit Card Minimum Payment Calculator

See how long a card balance takes to clear on the minimum due, what interest and GST really cost, and how much paying extra each month saves.

Read first: Every credit card fee explained

Term Insurance Calculator

The year your family would run out of money on your current cover, the gap in rupees, and an indicative premium — worked year by year from expenses, loans and goals. No insurer named.

Read first: What your existing policy really returns

ULIP & Endowment Policy Return Calculator

Find the true annual return on an insurance policy, and see how it compares with PPF or with term insurance plus a separate investment.

Read first: How much term cover you actually need

Arbitrage Fund vs FD Calculator

See which pays more after tax — an arbitrage fund taxed as equity, or a fixed deposit taxed at your income slab. Includes the breakeven FD rate.

Read first: Arbitrage funds explained

US Stock Tax Calculator for Indian Residents

The tax on selling US shares and ETFs: each sale converted at SBI's month-end rates, long or short term, losses set off, and US dividend tax credited. Shows what the rupee's fall adds to your gain.

Read first: How to invest in global markets from India

LRS & TCS Calculator

The TCS on money you send abroad, what the exchange rate, charges and GST really cost from your own bank's quote, and whether splitting a transfer across two financial years saves tax.

Read first: How to invest in global markets from India

Roth Conversion Calculator (US)

What a 2026 Roth conversion really costs: federal tax plus more Social Security becoming taxable, the senior deduction, the 3.8% NIIT, a lost ACA credit and Medicare IRMAA, with the real rate on each slice and where the next cliff is.

HSA vs PPO Calculator (US)

Compare a high-deductible plan with an HSA against a PPO for 2027 or 2026: the net cost of each at your level of care, counting employer HSA money and the federal, state and FICA tax saving, with the break-even point.

ESPP Tax Calculator (US)

Enter your Form 3922 to see ESPP ordinary income and capital gain, the date a sale qualifies, and the Form 8949 adjustment that stops the discount being taxed twice.

RSU Tax Calculator (US)

What an RSU vest really adds to your 2026 tax against the 22% or 37% withheld, the FICA, the shares sold to cover, and the cost basis your 1099-B leaves out.

ISO AMT Calculator (US)

The AMT from exercising incentive stock options under the 2026 rules, the most shares you can exercise with no AMT, and how the AMT credit comes back in later years.

Wash Sale Checker (US)

Paste or upload your trades from every account to find the wash sales your broker misses, across brokers, a spouse's account and IRAs, with the disallowed loss, the adjusted basis and the date it is safe to buy back.

Mega Backdoor Roth Calculator (US)

How much after-tax money fits in your 401(k) for 2026 under the $72,000 limit, after your deferrals and employer money, with catch-ups and the new Roth catch-up rule.

529 to Roth IRA Calculator (US)

A year-by-year schedule for moving leftover 529 money to the beneficiary's Roth IRA under the 15-year, 5-year, annual-limit and $35,000 lifetime rules.

PMI Removal Calculator (US)

The month you can ask to cancel PMI at 80%, when it ends by law at 78%, how much asking saves, and whether extra payments or a new appraisal end it sooner. Includes FHA MIP rules.

PFIC Calculator for Indian Mutual Funds

For US taxpayers selling Indian mutual funds: import your CAS or enter purchases to see the section 1291 tax, the interest charge and the effective rate, at the Federal Reserve's daily rupee rate.

FBAR & Form 8938 Checker for Indian Accounts

For Indians in the US: list your NRE, NRO, FD, PPF, EPF and mutual fund holdings to see which count, their dollar value at Treasury's year-end rate, and whether FBAR, Form 8938 or both are due.

AI Finance Prompt Library

Copy-ready prompts for ChatGPT, Claude or Gemini to audit a bank or card statement, read a payslip, check a loan offer or policy, and read company results, each with privacy steps and no buy or sell calls.

Read first: Connect your Zerodha account to Claude