Sovereign Savings & Retirement Calculators
All calculators use official formulas mandated by the Ministry of Finance, Government of India, running entirely inside your local browser.
Family Goal & Milestone 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 (Financial Independence, Retire Early) 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 Cost & Savings Planner
Determine the realistic, inflation-adjusted budget for a family wedding, and structure a disciplined systematic plan to accumulate the fund smoothly.
Utility & Payroll Calculators
Sukanya Samriddhi Yojana (SSY) Calculator
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.
Compound Interest Calculator
See the power of compounding. Check how safe investments grow exponentially over long horizons.
Inflation purchasing power calculator
Understand how inflation erodes future purchasing power of your current savings.
Gratuity Calculator (Indian Service 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 Calculator
Estimate the cash encashment value of accumulated, unused earned leaves (EL) at the time of retirement or leaving service.
Asset & Property Decision Analyzers
Rent vs Buy Property Decision 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.
Buy Car vs Uber/Cab Commute Calculator
Run a complete cost-comparison of buying and owning a vehicle (including EMI, depreciation, insurance, fuel, maintenance) vs commuting daily via ridesharing on-demand cabs.
What-If Wealth Simulator
Simulate and visualize how small tactical adjustments—such as securing a 2% higher interest rate or stepping up your monthly savings by 10% each year—impact your ultimate financial nest egg.
Investment & Savings Schemes Comparison
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.
SafePlan 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.