💹 Investment & Savings
SIP, PPF, FD & NPS Calculators
Whether you're starting a monthly SIP, maximising your PPF under 80C, or comparing FD vs mutual fund returns — these calculators show you the real numbers with tax impact included.
📊 India Investment Rate Reference — FY 2025-26
PPF Interest Rate (guaranteed)7.1% p.a.
Sukanya Samriddhi Yojana (SSY)8.2% p.a.
Senior Citizen Savings Scheme (SCSS)8.2% p.a.
SBI 3-year FD (general)6.75%
HDFC / ICICI 1-year FD7.00–7.10%
Nifty 50 historical CAGR (20 yr avg)~12–13%
NPS equity (Tier-I) avg CAGR~10–11%
ELSS lock-in period3 years (shortest 80C)
🧾 Tax & Income
Income Tax, New vs Old Regime, HRA & Freelancer Tax
FY 2025-26 brings a revised new tax regime as the default. These calculators show your exact tax under both regimes, HRA exemption calculation, and what deductions are worth claiming.
🏦 Loans & Everyday Finance
EMI, GST & Gratuity Calculators
From home loan EMI with prepayment analysis to GST inclusive/exclusive conversion and gratuity eligibility — these cover the practical money calculations every working Indian needs.
📋 Key India Finance Numbers — FY 2025-26
80C deduction limit (old regime)₹1,50,000
NPS additional deduction 80CCD(1B)₹50,000 extra
Health insurance 80D (self + family)₹25,000 (₹50K senior)
Home loan interest deduction (24b)₹2,00,000/year
Long-term capital gains (equity) LTCG10% above ₹1.25 lakh
Short-term capital gains (equity) STCG20%
TDS on FD interest above ₹40K/year10% (or 20% no PAN)
Gratuity tax-free limit₹20,00,000
Frequently Asked Questions — India Finance 2025-26
Which SIP amount should I start with in India?+
Start with whatever you can sustain — even ₹500 or ₹1,000/month. The key is consistency, not the starting amount. ₹5,000/month in a diversified equity mutual fund at 12% CAGR grows to ₹1.76 crore over 30 years. Starting 10 years earlier (at 25 vs 35) produces ₹3.5 crore more with the same monthly SIP. Step-up SIPs — where you increase by 10% each year — dramatically accelerate the corpus.
Is PPF still worth investing in for FY 2025-26?+
Yes, for the right investor. PPF offers 7.1% guaranteed interest, full EEE tax status (investment deductible under 80C, interest tax-free, maturity tax-free), and zero market risk. It's ideal for conservative investors, those maximising 80C, and building a guaranteed retirement base. The main drawback is the 15-year lock-in and ₹1.5 lakh annual cap. For wealth creation, ELSS mutual funds typically beat PPF over 10+ years but carry market risk.
New vs old tax regime — which should I choose in FY 2025-26?+
The new regime is now the default. It has lower rates and is better for most employees earning under ₹12 lakh with limited deductions. The old regime wins if your total deductions (80C + HRA + 80D + home loan interest) exceed approximately ₹3.75 lakh — beyond that breakeven, the old regime gives lower net tax. Key note: once you opt out of the new regime, salaried employees can switch back each year; business owners can only switch once.
What is the PPF interest rate for FY 2025-26?+
The PPF interest rate for FY 2025-26 is 7.1% per annum, compounded annually and credited at the end of each financial year. The government reviews it quarterly but it has remained at 7.1% since April 2020. Annual investment limit: ₹1.5 lakh (minimum ₹500). Eligible for 80C deduction. The interest is completely tax-free — making the effective yield higher than most other fixed-income options for investors in the 30% tax bracket.
How is home loan EMI calculated in India?+
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1], where P = principal, R = monthly interest rate (annual rate ÷ 12), N = tenure in months. For a ₹50 lakh home loan at 9% for 20 years, EMI = ₹44,986/month. Total interest paid = ₹57.97 lakh — more than the principal itself. Making even ₹5,000 extra prepayment each month can save ₹10–15 lakh in interest and cut the tenure by 3–5 years.