Master Your Money with Financial Calculators
In 2025's volatile economy, financial precision is not optional—it's survival. Discover how SIP, EMI, Tax, and EPF calculators can transform your wealth trajectory with data-backed insights.
📊 Key Numbers That Matter
📈 Visual Analysis
📈 Power of Compounding: SIP vs Cash
₹5,000/month investment @ 12% return over 30 years
🏠 Home Loan Reality Check
₹50L loan @ 9% for 20 years = ₹1.08 Cr total payment
💡 Critical Insights
Inflation Alert
CPI at 3.34% in 2025. Static savings lose 6% purchasing power annually. Active investment is mandatory.
Loan Cost Reality
First-year EMIs are 75-80% interest. Prepayment strategy can save lakhs and cut tenure by 40%.
New Tax Regime
Income up to ₹12.75L tax-free with ₹75K standard deduction. Use tax calculators to compare regimes.
🧮 Essential Calculator Suite for 2025
💼 Investment Calculators
SIP, Lumpsum, PPF, SSY (8.2% rate), NPS Pension, Retirement Corpus
🏦 Loan & EMI Tools
Home Loan (7.1%), Car Loan, Personal Loan, Prepayment Impact, Refinance Analysis
💸 Tax Calculators
Old vs New Regime, Marginal Relief, TDS, HRA, Section 80C, Capital Gains
🛡️ Social Security
EPF (8.25%), Gratuity (1-yr rule), Pension, E-Shram Benefits, Minimum Wage
⚖️ 2025 Policy Changes
Key Changes Affecting Your Calculations
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GDP Growth: 6.7-6.9% projected for FY 2025-26 (Deloitte)
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Repo Rate: Cut to 5.25% by RBI, reducing home loan rates to 7.1%
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New Tax Regime: ₹12.75L tax-free income with marginal relief mechanism
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Gratuity: 1-year eligibility for fixed-term employees (Code on Social Security 2020)
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EPF Rate: 8.25% for FY 2024-25, beating inflation by 4.91%
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SSY Rate: 8.2% for girl child savings (Q4 2025)
🎯 Strategic Actions
For ShramKavach Users
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