Calculators
Post-tax math for every
instrument Indians use.
13 calculators. All post-tax. All built for decumulation as much as accumulation. Everything you type stays in your browser.
Draw from a corpus
You've built the money. Now the question is how much lands each month, after tax.
Build a corpus
You're still accumulating. See what compounds to what — and what tax leaves behind.
SIP
Systematic Investment
Monthly investing, compounded — then the part every SIP chart skips: what redemption tax leaves you with.
→ post-tax corpus
Open →
Lumpsum
One-time investment
Deploy once, compound for years, pay LTCG at the end. See both the brochure multiple and what actually lands.
→ post-tax corpus
Open →
Tax-favoured retirement
The EEE / EET buckets: PPF and EPF that tax never touches, and NPS with its mandatory annuity twist.
PPF
Public Provident Fund
The only number here tax never touches. See how much a taxable instrument must yield to match PPF in your slab.
→ tax-free corpus
Open →
EPF
Employees' Provident Fund
A guaranteed rate that compounds untaxed for decades — the most underrated line on your payslip.
→ tax-free corpus
Open →
NPS
National Pension System
60% tax-free lump sum at 60. The other 40% must buy an annuity — and that annuity income is taxable at slab.
→ ₹ / month annuity
Open →
Plan the retirement itself
How much do you actually need? And what does today's plan project to?
Cross-border
You live in the United States and still hold Indian assets — or you are deciding when to come back. Two tax systems, one decision.
RNOR
The RNOR window
Indian residency turns on a day count. See how long your foreign income stays outside the Indian net, and what the landing date is worth.
→ months of window
Open →
Position
Cross-border position
One year across both tax systems: what lands in hand, what each country charges, what treaty relief absorbs, and the order the draw follows from your rates.
→ $ in hand, one year
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PFIC
PFIC exposure
A pooled non-US fund held for years is taxed backwards, year by year, with interest. See the default regime against the two alternatives.
→ $ tax + interest
Open →
Loans
The mirror of investing — money going out at a fixed rate.