Calculators

RD interest is taxable as income at your slab rate — so a 7% RD for a 30% slab taxpayer delivers roughly 4.9% post-tax. Here's how TDS on RD works (Form 15G/15H, ₹40,000 threshold), the post-tax RD comparison against PPF and SSY (both EEE exempt at similar nominal rates), why RD still makes sense for short-to-medium goals and senior citizens, and how to evaluate bank rate spreads given DICGC insurance limits.

Learn how simple interest differs from compound interest, where it's still used in modern finance, why flat-rate loans cost far more than their headline rate suggests, and how to use a free simple interest calculator.

Saving ₹5,00,000 for a car in 3 years at 6% inflation means arriving short by about ₹95,000 — because the car will cost ₹5,95,508 when you get there. Here's how to adjust a savings goal for inflation before entering it into the calculator, why the real interest rate (nominal minus inflation) determines whether your RD barely keeps up or meaningfully grows purchasing power, and how education and property inflation running faster than CPI makes long-horizon goals particularly sensitive to this adjustment.

Learn why date arithmetic is harder than it looks, the three core date calculation operations, and how to handle legal notice periods, contract milestones, visa limits, and medical schedules with a free date calculator.

The 0.25-0.50% senior citizen FD premium isn't charity — it reflects banks competing for a high-balance, high-retention depositor segment. Here's why the Section 80C tax-saver FD sometimes loses to a regular FD at a higher rate once you account for the 5-year lock-in, how to correctly compare "special tenure" FDs at unusual maturities, and why NRE FDs have been particularly attractive for NRIs when Indian rates exceed foreign deposit rates.

Learn how to work backwards from any savings target to a specific monthly deposit, plan multiple goals simultaneously, and adjust timelines when the monthly amount exceeds budget — with a free RD goal calculator.

Two retirees with identical average 7% returns over 25 years can have dramatically different outcomes purely based on when the bad years occurred — withdrawing during a market decline permanently removes capital that can never participate in the eventual recovery. Here's the mathematics of why sequence matters more than average, the "retirement red zone" concept, the bucket strategy that protects near-term spending from market timing, and how annuitisation eliminates sequence risk entirely for essential expenses.

Inflation transfers wealth from cash savers and fixed-income investors to fixed-rate debtors and real asset holders. Here's who benefits from inflation (property owners with fixed mortgages, governments with large debt), who loses (cash savers, bond holders, fixed-income retirees), and why these dynamics matter for portfolio construction.

RDs guarantee returns; SIPs offer higher potential returns with market risk; regular savings accounts provide full liquidity. Here's a comparison of all three by risk, return, tax treatment, and suitable horizon — including why rupee cost averaging makes SIPs particularly effective in volatile markets.

Personal loans, home loans, car finance, and payday loans all differ in structure — not just rate. Here's how secured vs unsecured affects rates, the flat-rate vs reducing-balance deception (flat 10% = effective 18% APR), and a loan comparison framework that goes beyond rate.