Finance (India)

24 calculators specific to Indian tax and savings products: PPF, NPS, EPF, SSY (Sukanya Samriddhi), KVP, SCSS, POMIS, NSC, SGB (gold bonds), advance tax, TDS, regime comparison, ELSS, XIRR, SWP, STP, brokerage charges, stamp duty, LTCG / STCG / property capital gains, and step-up SIP.

Use the Regime Compare calculator with your numbers. Quick rule: if your total deductions (80C + 80D + HRA + home-loan interest + other) exceed ~₹3-4 lakh, old regime wins. If you have minimal deductions, new regime's lower rates win. Most salaried people with rented housing and an active home loan are still better off in the old regime.

New regime: 0% up to ₹3 L, 5% to ₹7 L, 10% to ₹10 L, 15% to ₹12 L, 20% to ₹15 L, 30% above. Plus 4% cess. Standard deduction ₹75,000. Old regime: 5% from ₹2.5 L, 20% from ₹5 L, 30% above ₹10 L. Both include rebate under 87A.

Currently 7.1% (compounded annually, tax-free under EEE). Max yearly deposit ₹1.5 L, tenure 15 years (extendable in 5-year blocks).

Yes for parents of girls under 10. Current rate 8.2% (tax-free), 21-year maturity, deposits qualify for 80C. The Sukanya Samriddhi calculator shows the full 21-year corpus from your yearly contribution.

12.5% above ₹1.25 lakh exemption per FY (post Budget 2024). STCG (held < 12 months) is taxed at 20%. Use the LTCG (Equity) and STCG (Equity) calculators for exact post-tax returns.

On a ₹1 lakh round trip in equity delivery, STT alone is ~₹100, plus GST + exchange + DP charges. The Stock Brokerage (India) calculator shows the full breakdown. Frequent trading silently eats 1-3% of capital annually.

XIRR is the annualized rate of return on an investment with irregular cash flows (typical for SIP redemptions across years). Use it instead of point-to-point CAGR whenever you've invested or withdrawn at different times. The XIRR calculator handles this for you.