Calculator

 SmartINR Financial Calculators
SIP • RD • FD • Mutual Fund • EPF / PF • NPS — all in one place
Monthly SIP Amount
₹
₹500₹1L
Expected Return (p.a.)
%
1%30%
Duration (Years)
YRS
1 yr40 yrs
 Grow Faster
SIP grows by a fixed % each year.
Eg: ₹5K + 10% → ₹5,500 in Yr 2
%
1%50%
Total Invested
₹0
Your contribution
Wealth Gained
₹0
Returns earned
Total Value
₹0
Estimated corpus
Invested vs Returns
Invested 50%
Returns 50%
YearInvestedGainsValue
 Tip:
ℹ How RD works: You deposit a fixed amount every month. The bank pays interest quarterly (compounded), and you get the full maturity amount at the end of the tenure.
Monthly Deposit
₹
₹100₹1L
Interest Rate (p.a.)
%
1%15%
Tenure
MO
6 mo10 yrs
Total Deposited
₹0
Your deposits
Interest Earned
₹0
Bank pays you
Maturity Amount
₹0
You receive
Deposited vs Interest
Deposited
Interest
 Tip:
Principal Amount
₹
₹1K₹10L
Interest Rate (p.a.)
%
1%15%
Tenure (Years)
YRS
1 yr10 yrs
Compounding Frequency
Principal
₹0
Amount deposited
Interest Earned
₹0
Bank pays you
Maturity Amount
₹0
Total payout
Principal vs Interest
Principal
Interest
 Tip:
ℹ Lumpsum vs SIP: Lumpsum means investing a large amount at once. Use this calculator for one-time investments. For monthly investments, use the SIP tab above.
Investment Amount
₹
₹1K₹10L
Expected Return (p.a.)
%
1%40%
Investment Period
YRS
1 yr30 yrs
Invested
₹0
One-time amount
Gains
₹0
Capital appreciation
Total Value
₹0
Final corpus
CAGR
0%
Annual growth rate
Invested vs Gains
Invested
Gains
YearValueGainGrowth
 Tip:
ℹ How EPF works: You contribute 12% of your Basic salary. Your employer also contributes 12% — out of which 3.67% goes to EPF and 8.33% goes to EPS (pension). Interest rate for FY 2024–25 is 8.25% p.a.
Current Monthly Basic Salary
₹
₹5K₹2L
Annual Salary Growth Rate
%
0%20%
EPF Interest Rate (p.a.)
%
5%12%
Years to Retirement
YRS
1 yr35 yrs
Employee Contribution
₹0
Your 12% total
Employer Contribution
₹0
3.67% EPF share
Interest Earned
₹0
Tax-free growth
Total EPF Corpus
₹0
At retirement
Contributions vs Interest
Employee 12%
Employer 3.67%
Interest
YearBasicEmp Cont.Er Cont.Balance
 Tip:
ℹ How NPS works: You invest monthly. At 60, you must use at least 40% to buy an annuity (monthly pension). The rest (up to 60%) is a tax-free lump sum. NPS offers extra ₹50,000 deduction under Section 80CCD(1B).
Monthly NPS Contribution
₹
₹500₹1L
Expected Return (p.a.)
%
5%15%
Years to Retirement
YRS
5 yrs40 yrs
Annuity % (min 40%)
%
40%100%
Annuity Return Rate (expected)
%
4%10%
麟
Estimated Monthly Pension
₹0
After retirement, every month for life
Total Invested
₹0
Your contributions
Total Corpus
₹0
At retirement
Lump Sum
₹0
Tax-free withdrawal
Annuity Amount
₹0
Used for pension
Invested vs Gains vs Annuity Split
Invested
Lump Sum
Annuity
 Tip:

Comments

Post a Comment

Popular posts from this blog

High Interest Rate Paying Savings Account in 2026(India Guide)

Image
🏦 Savings Guide · India 2026 High Interest Rate Paying Savings Account in India — 2026 Guide Everything you need to know to earn 2–3x more on your idle savings — legally, safely, and without any lock-in. ● Updated March 2026 ● 8 min read ● Sources verified ● RBI regulated banks only 🔥 Top Rates Right Now — March 2026 Jana Small Finance Bank 7.25% p.a.  |  Zero Balance  |  Quarterly Equitas Small Finance Bank 7.00% p.a.  |  Zero Balance  |  Monthly IDFC FIRST Bank 6.50% p.a.  |  Zero Balance  |  Monthly Introduction What Is a High Interest Savings Account? A high interest savings account is a regular savings bank account that pays a significantly higher annual return than a typical PSU bank account — with no lock-in, no market risk, and c...
Read more

Best Expense tracker Apps in India (Free Budget Apps 2026)

Image
📱 Free Apps · India 2026 Best Expense Tracker Apps in India Free Budget Apps 2026 Stop wondering where your money went every month. These 5 free apps will change how you manage money — forever. ● For All Indians ● 100% Free Apps ● Updated: 2026 ● 5 Min Read Be honest — do you know where your ₹30,000 salary goes every month? 😅 Most Indians earn decent money but still feel broke by the 20th. The reason? No expense tracking. The good news? You don't need to hire an accountant or buy expensive software. Your smartphone expense tracker apps can help you track every rupee, build a budget, and start saving more — starting today. What is an expenses tracker app? An expense tracker app is a mobile application that helps you record and categorize your daily spending such as food, shopping, bills, and travel. These apps show where your money goes each month so you can control spending, create budgets, and ...
Read more

How to Save Money on Online Shopping in India -15 Tips (2026)

Image
Personal Finance · 2026 How to Save Money on Online Shopping in India — 15 Tips (2026) ●  By Anaru Khakhlary ● 10 min read ● Save ₹1,500–₹4,000/month Every day, millions of Indians spend money online without noticing where it goes — food delivery apps, mobile recharges, OTT subscriptions, flash sales, and late-night shopping. These small online expenses may feel harmless, but by the end of the month, they silently drain thousands of rupees from your income. The good news? Saving money online in India is easier than ever in 2026. With the right cashback apps, UPI cashback offers, coupon strategies, price comparison tools, and smart digital payment habits, you can cut your online spending without sacrificing comfort or convenience. In this practical guide, you'll learn 15 proven and easy ways to save money online in I...
Read more

How to Save Money with a ₹15,000 Salary in India (2026 Guide)

Image
Personal Finance · 2026 How to Save Money with a 15000 Salary in India — Guide 2026 ●  Salary Savings Tips ● ₹15,000 Salary Budget ● Save ₹1,500–₹3,200/month Let's be honest. Saving money on a ₹15,000 salary in India feels almost impossible. After rent, food, travel, and basic expenses, you might be wondering — where is the money to save? The good news? It is possible. Thousands of Indians with similar or even lower salaries are saving ₹1,000 to ₹3,000 every month — just by making a few small changes. In this guide, we will show you exactly how to save money on a ₹15,000 salary in India with simple, practical tips that anyone can follow — no fancy finance knowledge needed. Quick Tip: The goal is not to save everything. Even saving ₹1,500 per month (₹18,000 per year) can build a strong emergency fund in just 12 months. ...
Read more

FD Vs RD which is better in 2026! Interest Rates & Calculator

💰 Savings Guide · India 2026 FD vs RD: Which One is Better For You? Fixed Deposit or Recurring Deposit — both are safe, both are popular. But which one actually gives you more money? We break it down with real numbers, 2026 interest rates, and maturity calculator examples. ● India 2026 Guide ● 10 Min Read ● Beginners Welcome ● Real Calculations ₹180 Lakh Cr Total bank deposits in India 6.5–7.5% Typical FD / RD rates in 2026 ₹100 Minimum to open an RD account Your colleague opens an FD. Your neighbour has an RD. But when you sit down to decide — what is the actual difference between FD and RD in India? And more importantly, which one puts more money in your pocket? This guide gives you a straight answer — with real interest rates for 2026, a step-by-step maturity calculator example, and a clear verdict based on your situation. ⚡ Quick Answer FD vs RD — The One-Line Verdict Fixed Deposit (FD) ...
Read more

EPF Guide 2026: PF Balance Check, EPF Withdrawal Online & 8.25% Interest Rate

📋 Complete EPF Guide · SmartINR · 2026 EPF  Guide 2026 PF Balance Check PF Withdraw Online & 8.25 Interest Rate PF balance check, EPF withdrawal, EPFO claim online, UMANG app, UAN registration — your complete guide to Employee Provident Fund in India. ● For All Salaried Indians ● EPF · PF · EPFO Portal ● Updated March 2026 ● 12 Min Read HOW EPF WORKS IN INDIA — YOUR MONEY, YOUR FUTURE SMARTINR.COM EMPLOYEE 12% of Basic Auto-deducted every month ► EMPLOYER Matches 12% 3.67% → EPF 8.33% → EPS ► EPFO ACCOUNT UAN-linked 8.25% p.a. Tax-free growth ► CHECK BALANCE SMS 7738299899 UMANG App 011-22901406 ► WITHDRAW Full: 2 months Partial: Medical Home /...
Read more

Zero Income Tax in 2026? Complete Guide to New Tax Regime, 80C & Best Tax-Free Investments

💰 Tax Guide · India 2026 Zero Income Tax in 2026? Complete Guide to New Tax Regime, 80C & Best Tax-Free Investments How to legally pay ₹0 income tax — complete guide to Section 80C, new tax regime tweaks, and the smartest tax-free instruments right now. ● Updated March 2026 ● 12 min read ● Sources verified ₹12.75L Zero-tax income limit (salaried, new regime) ₹1.5L Section 80C deduction cap (old regime) 14% Employer NPS deduction (new regime allowed) Taxes taking too big a bite of your salary? You're not alone — and the good news is, the government has made it easier than ever to pay zero income tax in 2026. Whether you're a salaried employee, a freelancer, or a first-time investor, this guide breaks down every legal way to bring your tax bill to ₹0 — from the beloved Section 80C deductions to the new regime's surprisingly gen...
Read more

What is SIP? Complete Guide to SIP Investment in India 2026

📈 SIP · Ultimate Guide · India 2026 What is SIP? Complete Guide to SIP Investment in India 2026 Everything you need to know about Systematic Investment Plans — how SIP works, its benefits, types, how to start, and how ₹500/month can grow into ₹10 lakhs over time. ● By Anaru Khakhlary (investing since 2013) ● India 2026 Guide ● 12 Min Read ● Beginner Friendly 9.8 Cr+ Active SIP accounts in India Source: AMFI India ↗ ₹26,000 Cr Monthly SIP inflows across India ₹500 Minimum amount to start a SIP today ⚡ 2026 Tax Update New LTCG Rules Effective FY 2025–26 ● Long-Term Capital Gains (LTCG) tax on equity mutual funds is now 12.5% (up from 10%) ● Exemption limit raised to ₹1.25 lakh per year — gains below this are fully tax-free ● Short-Term Capital Gains (STCG) for equity funds h...
Read more

10 Savings Habits That Will Change Your Financial Life in 2026

Image
💰 Money Habits · India 2026 10 Savings Habits That Will Change Your Financial Life In 2026 Small, consistent habits that completely transform your finances — whether you earn ₹15,000 or ₹1,50,000 per month. ● India 2026 Guide ● 8 Min Read ● For All Income Levels ● Actionable Tips 10 Savings Habits That Change Lives Struggling to save money in India despite earning a decent salary? You're not alone. Rising inflation, EMIs, UPI spending, and lifestyle upgrades make saving feel impossible. But here's the truth: most people don't have an income problem — they have a money habits problem. Instead of waiting for a salary hike, personal finance habits and money management are what every Indian needs to cultivate first. The good news? Small, consistent savings habits can completely transform your financial future — whether you earn ₹15,000 or ₹1,50,000 per month. The Mindset Shi...
Read more

50-30-20 Budget Rule in India: The Easiest Way to Manage Your Salary (2026 Guide)

💰 Budgeting Guide · India 2026 The 50-30-20 Budget Rule: The Easiest Way to Manage Your Salary (2026 Guide) You earn a salary every month. But where does it all go? The 50-30-20 rule is the simplest budgeting system ever created — and it takes just 10 minutes to set up for life. Last updated: March 2026 ● By Anaru Khakhlary ● India 2026 Guide ● 12 Min Read ● Beginner Friendly ● Real Salary Examples 📋 Table of Contents Hide ▲ 1 What is the 50-30-20 Rule? 2 Real Indian Salary Examples 3 The 50% Bucket — Needs 4 The 30% Bucket — Wants 5 The 20% Bucket — Savings 6 How to Set Up — Step by Step 7 India-Specific Adjustments 8 5 Common Mistakes 9 Best Apps to Track Budget 10 What Happens in 10 Years 🧮 Try the Calculator ❓ FAQs ⏱️ Estimated reading time: 12 minutes · 10 sections 78% Indians have no written monthly budget 3 Buckets All ...
Read more