Financial Calculators
Eight free tools: the same math used across DhanSutra's case studies. Move the sliders, see the numbers update instantly.
Assumptions
Returns are assumed constant every year and compounded monthly, though real mutual fund returns move up and down year to year. This does not account for expense ratio, exit load, or tax on redemption.
Assumptions
Returns are assumed constant every year and compounded annually on the full amount from day one, though real market returns vary year to year. This does not account for expense ratio or tax on redemption.
Assumptions
Your monthly withdrawal amount is stepped up every 12 months by the inflation rate you set, so it keeps the same real spending power throughout. Returns are assumed constant every year and compounded monthly, though real markets move up and down year to year. The horizon is capped at 30 years, a realistic retirement planning window. The Today's Purchasing Power figure divides the nominal remaining corpus by the cumulative inflation factor, showing what that money would actually buy in present day terms.
Assumptions
Assumes a fixed interest rate for the entire loan tenure. Floating rate loans can change during the tenure, which would change your actual EMI or tenure. Processing fees and other charges are not included.
Assumptions
Assumes the prepayment is made as a lump sum against the current outstanding principal at today's interest rate, which is held constant for the rest of the tenure. Some lenders charge a prepayment fee on floating or fixed rate loans, which is not included here.
Assumptions
Returns are assumed constant every year, though real market returns vary year to year. This does not account for a change in your contribution amount over time or a shift to safer assets as you approach retirement.
Lock-in: ELSS 3 years. PPF 15 years (partial withdrawal allowed from year 7). NPS until age 60, and even then at least 40% of the corpus must buy an annuity rather than being paid out as cash.
Tax on maturity: PPF is fully tax-free (EEE). ELSS gains are long-term capital gains, taxed at 12.5% above ₹1.25 lakh in gains per year. NPS lets you withdraw 60% tax-free, but the annuity you're forced to buy with the rest is taxed as regular income every year you receive it.
80C only matters under the old tax regime. If you've moved to the new tax regime, the 80C deduction that makes ELSS, PPF and NPS attractive for tax saving doesn't apply to you. Treat this as a pure investment comparison instead.
Assumptions
Returns are assumed constant every year and compounded annually, though real fund returns move up and down year to year. ELSS has a mandatory 3 year lock in from each investment date. This does not account for expense ratio or LTCG tax on redemption above the exempt limit.
Assumptions
Assumes the card issuer's interest rate and minimum payment percentage stay constant for the full repayment period. Late fees, GST on interest, and any change in the minimum due percentage are not included.