Complete Directory of Planning Tools & Calculators
Select any planner below. Each tool runs completely in client-side memory to keep your private assets 100% confidential.
Premium Wealth Planners
Child Higher Education Planner
Plan for your children's college fees and professional degrees. Account for high education-specific inflation (typically 8-12%) and calculate the target monthly SIP or lump sum needed.
FIRE Goal Planner
Calculate your 'FIRE Number'—the target asset corpus needed to support your lifestyle without ever relying on active salary, using the Safe Withdrawal Rate (SWR) standard.
Wedding Savings Planner
Determine the realistic, inflation-adjusted budget for a family wedding, and structure a disciplined systematic plan to accumulate the fund smoothly.
Rent vs Buy Property Tool
Compare the long-term wealth impact of buying a home with a home loan vs renting a similar property and systematically investing your downpayment and monthly cashflow savings.
Should I Buy a Car? Decision Planner
Compare the real cost of owning a car with using cabs like Uber, Ola, Rapido, and local taxis to make a smarter financial decision.
Financial Scenario Planner
Prepare your household finances for unexpected life changes before they happen. Simulate salary drops, job interruptions, inflation surges, medical emergencies, and family milestones.
Investments Comparison Tool
Compare up to three different financial instruments side-by-side on interest rates, tax lock-ins, taxability of gains, and final post-tax maturity values.
Home Loan Stability Planner
Check if you can easily afford a home loan. Calculate your real costs (including taxes and upkeep), the cash you need as a safety backup, and get your custom stability score.
Debt Payoff Strategy Simulator
Simulate and compare standard debt repayment against the Debt Snowball (paying smallest balances first) and Debt Avalanche (paying highest interest first) methods to eliminate high-interest liabilities quickly.
Traditional Savings & Deposits
Fixed Deposit (FD) Calculator
Calculate the maturity amount and interest earned on your Bank or Post Office Fixed Deposit with customizable compounding intervals.
Recurring Deposit (RD) Calculator
Calculate compound growth of systematic monthly savings. Perfect for disciplined investing over medium tenures.
Public Provident Fund (PPF) Calculator
Strategic sovereign-backed wealth model.
National Savings Certificate (NSC)
Calculate returns on sovereign post-office certificates with a fixed 5-year lock-in and annual compounding.
Senior Citizens Savings (SCSS)
The premium income generator for retirees. Offers top-tier sovereign interest rates paid out quarterly.
Kisan Vikas Patra (KVP) Calculator
A simple, secure government-backed certificate that guarantees to double your initial investment.
Post Office Monthly Income (POMIS)
Generate regular guaranteed monthly passive income. Perfect companion for monthly lifestyle expenditures.
Retirement & Service Utilities
Employees Provident Fund (EPF)
Strategic sovereign-backed wealth model.
National Pension System (NPS)
Calculate your pension corpus and monthly pension with additional tax benefits under Sec 80CCD(1B).
Sovereign Home Loan EMI Tool
Calculate your monthly EMI, complete interest breakdown, and amortization timeline for principal repayment.
Compound Interest Calculator
See the power of compounding. Check how safe investments grow exponentially over long horizons.
Inflation Purchasing Power Tool
Strategic sovereign-backed wealth model.
Gratuity Calculator (Govt Rules)
Calculate the statutory gratuity reward you are entitled to receive from your employer upon retirement, resignation, or superannuation after 5+ years of continuous service.
Earned Leave Encashment Tool
Estimate the cash encashment value of accumulated, unused earned leaves (EL) at the time of retirement or leaving service.
Sukanya Samriddhi Yojana (SSY)
Model India's high-yielding sovereign scheme designed to secure the financial future of a girl child, featuring a top-tier interest rate with EEE tax benefits.
Core Strategy Builders
Bank FD Ladder Planner
Strategic sovereign-backed wealth model.
Retirement Income & Withdrawal
Strategic sovereign-backed wealth model.
NSC Ladder Strategy Planner
Strategic sovereign-backed wealth model.
Financial Recovery Hub
Financial Recovery Hub
Strategic sovereign-backed wealth model.
Job Loss Recovery Planner
Strategic sovereign-backed wealth model.
Medical Emergency Recovery
Strategic sovereign-backed wealth model.
Scam Recovery Planner
Strategic sovereign-backed wealth model.
Debt Recovery Planner
Strategic sovereign-backed wealth model.
Emergency Fund Planner
Strategic sovereign-backed wealth model.
Money Decision Simulator
Money Decision Simulator Hub
Strategic sovereign-backed wealth model.
Cost of Delaying Investing
Strategic sovereign-backed wealth model.
Breaking Fixed Deposit Early
Strategic sovereign-backed wealth model.
Closing PPF Early
Strategic sovereign-backed wealth model.
Ignoring Inflation
Strategic sovereign-backed wealth model.
Buying Luxury Car
Strategic sovereign-backed wealth model.
Lapsing Insurance Policy
Strategic sovereign-backed wealth model.
Not Building Emergency Fund
Strategic sovereign-backed wealth model.
Stable Income is a fully independent calculator platform. All equations (e.g. PPF compounding, Senior Citizen quarterly payouts, Sukanya Samriddhi girl child deposits, and Gratuity factors) conform strictly to official interest rate sheets published by the Government of India.