Smart Financial Simulators & Decision Hub
Verified Indian financial mathematics, statutory regulations, and step-by-step actionable breakdowns.
Precision Simulators for Complex Financial Decisions
Move beyond simple compounding formulas. Simulate dynamic asset-allocation glidepaths for child college admissions, 5-archetype FIRE roadmaps, rent vs. buy opportunity arbitrage, and Union Budget LTCG tax harvesting.
Interactive Financial Calculators Directory
Select a tool below or search by financial goal, tax section, or asset class.
Child Higher Education & Marriage Planner (Dynamic Glidepath)
Simulate future college and marriage costs factoring in 8-10% education inflation, tenure, and an automated equity-to-debt asset allocation glidepath.
Dream House Goal Planner & EMI Affordability Simulator
Plan your target home purchase down payment accumulator (20-25% + stamp duty) and simulate future loan EMI affordability against your projected income.
Multi-Scenario FIRE Calculator (Lean, Standard, Fat, Barista & Coast)
Simulate and compare all 5 major FIRE archetypes: Lean FIRE, Standard FIRE, Fat FIRE, Barista FIRE, and Coast FIRE simultaneously with custom Indian metrics.
Safe Withdrawal Rate (SWR) & Indian Longevity Simulator
Backtest portfolio survival across 30 to 45-year Indian retirement horizons. Evaluates why the US 4% rule fails in India and why 3.0%-3.5% SWR is required.
Rent vs. Buy Comprehensive Opportunity Cost Simulator
Compute the true opportunity cost of buying real estate vs renting and investing the down payment and EMI difference in Nifty index funds over 10-30 years.
Home Loan Prepayment vs. Equity SIP Arbitrage Visualizer
Visualize whether paying ₹10,000 extra on your home loan EMI to save 8.5% interest or investing ₹10,000 in a 12% Nifty SIP creates higher net worth over 20 years.
LTCG/STCG Tax Harvesting & Capital Gains Calculator
Calculate taxable capital gains under updated budget rules (₹1.25L LTCG annual exemption, 12.5% LTCG, 20% STCG) and simulate annual tax-gain harvesting savings.
Old vs. New Tax Regime Dynamic Auto-Optimizer
Dynamic salary optimizer with granular HRA, 80C, 80D, 80CCD(1B), and Section 24 home loan interest breakdowns that computes your exact break-even deduction threshold.
SIP (Systematic Investment Plan) Compounder
Compute the future wealth created by monthly investments in Equity and Hybrid Mutual Funds using compound interest.
Step-Up (Top-Up) SIP Calculator
See how increasing your SIP by 10% annually with salary increments can double your final retirement wealth.
Public Provident Fund (PPF 7.1%) Calculator
Simulate 15 to 30-year maturity wealth and 100% tax-free interest earned under Government of India guaranteed 7.1% EEE PPF.
Bank Fixed Deposit (FD) Calculator
Calculate maturity amount and total quarterly compounded interest across Indian Scheduled Commercial Banks.
Recurring Deposit (RD) Calculator
Estimate the maturity value of monthly recurring savings using bank quarterly interest compounding schedules.
Home & Car Loan EMI Calculator
Calculate your monthly Equated Monthly Installment (EMI), total interest payable, and loan amortization on reducing balance loans.
New vs Old Tax Regime Quick Comparator
Compare tax liabilities under the New Tax Regime (Section 115BAC) vs Old Tax Regime with standard deductions, 80C, 80D, HRA, and NPS rebates.
SWP (Systematic Withdrawal Plan) Calculator
Plan tax-efficient monthly income from your mutual fund corpus during retirement while preserving your capital.
Rule of 72 Money Doubling Calculator
Calculate how many years it will take for your investment to double at any given interest or return rate.
50-30-20 Monthly Salary Budget Allocator
Split your net monthly in-hand take-home salary into 50% Needs, 30% Wants, and 20% Automated Investments.
Emergency Fund Target Calculator
Calculate your mandatory 3 to 6-month contingency cushion based on monthly rent, groceries, EMIs, and insurance premiums.
Inflation Impact & Future Cost Calculator
Calculate how 6% Indian retail inflation erodes your purchasing power and computes future costs for college and retirement.
Financial Life Simulator (Multi-Decade Cash Flow & Milestones)
Model household income, essential vs discretionary expenses, debt amortizations, and life milestones from your first job through retirement.
Market Crash & Recovery Lab (Stress-Tester)
Stress-test an Indian equity/debt/gold portfolio through simulated 20%-60% market crashes. Compare continuing vs pausing SIPs and calculate recovery months to prior peaks.
Sequence-of-Returns Risk Lab (Decumulation Stress-Tester)
Demonstrate that identical sets of annual market returns produce completely different terminal outcomes when regular cash withdrawals or SIP inflows take place.
Lifestyle Inflation Simulator (Expense Creep Visualizer)
Observe how unchecked lifestyle inflation neutralizes career salary hikes, reduces savings rates over time, and pushes back your financial independence date by years.
Salary → Wealth Journey (Career Compounding Engine)
Connect career progression, promotions, job switches, and annual step-up SIPs to long-term wealth creation. Decomposes final wealth into own contributions vs market growth.
Debt Snowball vs. Avalanche Multi-Loan Simulator
Compare mathematical efficiency (Avalanche) vs psychological momentum (Snowball) across multiple Indian debts (credit cards, personal loans, car loans, home loans).
Emergency Scenario Simulator (Household Liquidity Stress-Test)
Test your household survival runway against sudden shocks: job loss, salary cuts, and medical emergencies. Calculate the exact month your reserves are exhausted.
Portfolio Rebalancing Sandbox (Allocation Drift & Turnover)
Simulate multi-asset allocation drift across equity, debt, and gold over 7-year market cycles. Measure the rebalancing alpha and turnover volume of calendar vs threshold rules.
Compounding Race (Procrastination vs. Early Starter Visualizer)
An interactive animated race among 4 investors: Early Starter, Delayed Starter, Step-Up Champion, and Catch-Up Investor. Calculates the exact rupee penalty of delaying.
Financial Decision Tree (Monthly Surplus Allocation Explorer)
A neutral consequence explorer for allocating an extra monthly surplus between emergency liquidity, high-interest debt, index SIPs, and short-term goals over 1 to 5 years.