Smart Finance Calculators
EMI, SIP, Income Tax aur Salary ka hisaab — seconds mein. Full finance cluster with Hinglish guides.
EMI Calculator
Principal, rate, tenure se EMI nikal lo.
Home Loan EMI
Property price & downpayment se EMI.
Car Loan EMI
On-road price se EMI nikalna.
Bike Loan EMI
Two-wheeler loan estimate.
Personal Loan Eligibility
Salary ke basis par rough eligibility.
Gold Loan
Gold value aur LTV se loan amount.
SIP Calculator
Monthly SIP se future value estimate.
PPF Calculator
Annual contribution se maturity estimate.
FD Calculator
Fixed deposit maturity.
RD Calculator
Recurring deposit estimate.
GST Calculator
Inclusive / Exclusive GST.
Income Tax Estimator
Old vs New regime rough estimate.
Salary In-Hand
CTC to Take-home estimate.
PF Calculator
Employee & employer contributions.
EMI Calculator
Principal, rate aur tenure daalo — EMI nikal jaayega.
EMI Guide — Hinglish (Detailed)
EMI (Equated Monthly Installment) wo amount hai jo aap bank ko har mahine dete hain loan chukane ke liye. Isme Principal (mool dhan) aur Interest (byaj) dono shamil hote hain. Humara calculator Reducing Balance Method use karta hai, jo zyadatar Indian banks (SBI, HDFC, ICICI) use karte hain.
Flat Rate vs Reducing Rate: Dhyan rahe, kuch NBFCs "Flat Rate" offer karte hain jo sasta lagta hai par asal mein mehnga hota hai. Hamesha Reducing Rate par loan lein.
FAQs
EMI kaise calculate hoti hai?
Formula: E = P x R x (1+R)^N / [(1+R)^N-1]. Ye complex hai, isliye ye tool use karein.
Tenure (saal) badhane se kya hoga?
EMI kam ho jayegi, lekin total interest amount bahut badh jayega. Short tenure is better.
Floating vs Fixed rate?
Housing loans ke liye Floating rate behtar hota hai kyunki usme prepayment penalty nahi hoti.
Home Loan EMI
Property price aur downpayment daalo — loan amount aur EMI nikal jaayega.
Home Loan Guide — Hinglish (Smart Tips)
Ghar khareedna har Indian ka sapna hota hai. Home Loan ka tenure lamba hota hai (15-30 saal), isliye choti si mistake bhi mehangi pad sakti hai. Bank sirf property cost ka 80-90% loan dete hain, baaki 10-20% aapko 'Downpayment' ke roop mein dena hota hai.
Tax Bachao: Home loan EMI par aap income tax bacha sakte hain. Principal amount par Section 80C (₹1.5L tak) aur Interest par Section 24b (₹2L tak) ki chhoot milti hai.
FAQs
Repo Rate Linked loan kya hai?
Iska interest rate RBI ke Repo rate ke hisaab se badhta ya ghat-ta hai. Ye transparency ke liye acha hai.
Kya Home Insurance zaroori hai?
Haan, zyadatar banks loan dene se pehle Property Insurance mandatory karte hain.
Pre-EMI kya hoti hai?
Agar property under-construction hai, to possession milne tak aap sirf interest pay karte hain, ise Pre-EMI kehte hain.
Car Loan EMI
On-road price, downpayment aur rate daalein — loan aur EMI mil jaayega.
Car Loan Guide — Hinglish (Smart Buying)
Apni dream car lene se pehle uska total cost samajhna zaroori hai. Bank hamesha 'Ex-Showroom' price par loan dete hain, lekin aapko 'On-Road' price pay karna hota hai jisme Insurance, RTO aur Accessories shamil hain. Car loan usually 3 se 7 saal ke liye hota hai.
FAQs
Downpayment kitna dena chahiye?
Kam se kam 20%. Jitna zyada downpayment, utna kam loan aur utna kam byaj (interest).
Hypothecation kya hai?
Jab tak loan chalta hai, RC par bank ka naam hota hai. Loan khatam hone par bank se NOC lekar ise hatwana padta hai.
Bike Loan EMI
Two-wheeler price aur downpayment daalo — EMI mil jaayega.
Bike Loan Guide — Hinglish (Two-Wheeler)
Bike ya Scooter loan lena aajkal bahut aasaan hai, par interest rates Home Loan se kaafi zyada hote hain (10% - 15%). Two-wheeler loan ka tenure chhota hota hai (1 se 3 saal). Dhyan rakhein ki processing fee aur documentation charges aapki EMI ko effect na karein.
Zero Downpayment Trap: Kai bar "Zero Downpayment" offers mein interest rate bahut high hota hai. Hamesha APR (Annual Percentage Rate) check karein.
FAQs
Bike loan ke liye minimum age?
Aam taur par 21 saal. Agar student hain toh parents ko co-applicant banana padega.
Foreclosure charges kya hain?
Agar aap samay se pehle loan band karte hain, toh bank 3-5% penalty charge kar sakta hai.
Personal Loan Eligibility
Monthly salary aur existing obligations daalo — estimate eligibility nikal jaayega.
Personal Loan Eligibility Guide — Hinglish
Personal Loan ek 'Unsecured Loan' hai (bina kuch girvi rakhe), isliye iska interest rate sabse zyada hota hai. Bank aapka CIBIL Score (750+) aur monthly in-hand salary dekhte hain. Rule of thumb: Aapki total EMIs aapki salary ke 50% se zyada nahi honi chahiye.
FAQs
Eligibility kaise badhayein?
Apne spouse ya parent ko Co-applicant banayein, isse total income badh jati hai.
Prepayment penalty?
Haan, zyadatar banks 1 saal ka lock-in period rakhte hain uske baad penalty ke saath band kar sakte hain.
Gold Loan
Gold value aur LTV percentage daalo — possible loan amount aur EMI estimate milega.
Gold Loan Guide — Hinglish (Instant Cash)
Gold Loan sabse fast loan option hai. Aap apna sona (jewellery/coins) bank mein rakhte hain aur badle mein cash lete hain. Isme CIBIL score matter nahi karta. RBI ke rules ke mutabiq, aap gold ki value ka 75% tak loan le sakte hain (LTV Ratio).
Fayda: Interest rate Personal Loan se kam hota hai aur documentation na ke barabar lagta hai. Short-term paiso ki zaroorat ke liye ye best hai.
FAQs
Kya bank sona bech sakta hai?
Sirf tab jab aap loan wapas nahi karte. Bank pehle notice bhejta hai.
Loan tenure kitna hota hai?
Ye short-term hota hai, usually 12 mahine se 36 mahine tak.
SIP Calculator
Monthly SIP, expected annual return, tenure daalo — future corpus aur profit dikhayega.
SIP Guide — Hinglish (Wealth Creation)
SIP (Systematic Investment Plan) wo jaadu hai jisse choti savings badi wealth ban sakti hai. Mutual Funds mein invest karne ka ye sabse safe tareeka hai. SIP ka sabse bada fayda hai "Rupee Cost Averaging" — jab market niche hota hai to aap zyada units khareedte hain, aur jab upar hota hai to value badh jati hai.
Power of Compounding: Einstein ne ise "8th Wonder of the World" kaha tha. Agar aap ₹5000 mahina 20 saal tak 12% return par invest karein, to total investment ₹12 Lakh hoga, par value ₹50 Lakh ho sakti hai!
FAQs
SIP vs Lumpsum: Kya behtar hai?
Volatile market mein SIP best hai. Lumpsum tab karein jab market crash hua ho.
Minimum kitne se start karein?
Aap sirf ₹500 mahina se SIP shuru kar sakte hain.
Lock-in period kya hai?
Open-ended funds mein koi lock-in nahi hota. Sirf ELSS funds mein 3 saal ka lock-in hota hai (Tax saving ke liye).
PPF Calculator
Annual contribution, tenure aur current rate daalo — maturity amount batayega.
PPF Calculator Guide — Hinglish (Tax Free)
PPF (Public Provident Fund) India ka sabse popular tax-saving option hai. Iska sabse bada fayda hai EEE Status: Paisa lagate waqt Tax free (80C), Interest Tax free, aur Maturity amount bhi Tax free!
FAQs
Lock-in period kitna hai?
15 saal. Lekin 7 saal ke baad partial withdrawal allowed hai.
Minimum investment?
Sirf ₹500 saalana se account active rakh sakte hain. Max limit ₹1.5 Lakh hai.
FD Calculator
Principal, rate aur tenure daalein — maturity amount aur interest dikhayega.
FD Guide — Hinglish (Safe & Secure)
Fixed Deposit (FD) India ka sabse bharosemand investment hai. Aap ek baar paisa (lumpsum) bank mein rakhte hain aur ek fixed rate par interest milta hai. Senior Citizens ko usually 0.50% extra interest milta hai.
FAQs
FD todne par kya hota hai?
Bank usually 1% interest kaat leta hai (Premature Withdrawal Penalty).
Tax Saver FD kya hai?
Ye 5 saal ke liye lock hoti hai aur isme 80C ke tahat ₹1.5 Lakh tak tax chhoot milti hai.
TDS kab kat-ta hai?
Agar saal ka byaj (interest) ₹40,000 se zyada ho (Senior citizens ke liye ₹50,000).
RD Calculator
Monthly deposit, rate aur tenure daalo — maturity se kya milega woh bataega.
RD Guide — Hinglish (Monthly Bachat)
Recurring Deposit (RD) un logon ke liye best hai jo ek saath bada amount invest nahi kar sakte, par har mahine thoda-thoda save karna chahte hain. RD bilkul FD jaisa safe hota hai, bas fark ye hai ki isme aapko har mahine paise jama karne hote hain.
RD vs SIP: Agar aap risk nahi lena chahte, toh RD best hai (Returns ~6-7%). Agar aap thoda risk le sakte hain, toh SIP behtar hai (Returns ~12%+ long term).
FAQs
RD ki kist (installment) miss hui toh?
Bank thodi penalty charge karta hai (e.g. ₹1.50 per ₹100).
Minimum kitne se shuru karein?
Post Office mein ₹100 se aur Banks mein ₹500 se shuru kar sakte hain.
Kya beech mein paise nikal sakte hain?
Haan, lekin interest rate kam milega aur penalty lagegi (Partial withdrawal allowed nahi hoti usually).
GST Calculator
Amount aur GST rate daalein. Select whether amount already includes GST ya nahi.
GST Calculator Guide — Hinglish
GST (Goods & Services Tax) calculation do tarah se hoti hai. Tax Exclusive: Base price par tax lagana (e.g. ₹100 + 18% = ₹118). Tax Inclusive: MRP me se tax alag karna. Dukandaar aur Freelancers ke liye ye tool bahut zaroori hai invoice banane ke liye.
FAQs
Current GST Slabs kya hain?
India mein mainly 5%, 12%, 18%, aur 28% rates use hote hain.
Reverse Charge kya hota hai?
Kuch cases mein seller nahi, balki buyer ko GST pay karna padta hai.
Income Tax Estimator
Annual income daalo aur regime select karo — rough tax liability estimate milega.
Income Tax & Salary Guide — Hinglish
CTC vs In-Hand: CTC (Cost to Company) aapki asli salary nahi hoti. Isme se PF (12%), Professional Tax, aur Income Tax katne ke baad jo milta hai wo 'In-Hand' salary hai.
FAQs
Standard Deduction kya hai?
₹50,000 ki flat chhoot jo salaried employees ko milti hai (dono regimes mein).
80C limit kya hai?
Old regime mein aap PPF, LIC, ELSS mein invest karke ₹1.5 Lakh tak tax bacha sakte hain.
Salary In-Hand Calculator
CTC (annual) daalo — approximate monthly take-home nikal kar dega (simple estimation).
Salary In-Hand Guide — Hinglish (≈300 words)
CTC (Cost to Company) me employer ke saare costs include hote hain. Par aapka monthly take-home depends on tax deductions, employee PF, professional tax, and other components.
FAQs
CTC aur take-home me farq kya hai?
CTC me employer cost; take-home aapko bank account me milne wala monthly amount hai after deductions.
PF deduction kitna hota hai?
Typically 12% of basic (employee share) deducted from salary.
PF Calculator
Basic salary, contributions % aur tenure daalo — contributions aur maturity estimate dikhayega.
PF Guide — Hinglish (≈330 words)
Provident Fund (PF) ek retirement-oriented savings scheme hai jisme employee aur employer dono monthly contribute karte hain. Contributions par interest yearly compound hota hai.
FAQs
PF employer kya add karta hai?
Employer contribution ek hisse employer ke liye hota hai (part may go to pension scheme).
PF maturity par tax lagega kya?
Rules depend karte hain duration and current tax laws.
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