Personal Finance Tools | Investment Health Check

Step 1: Your Risk Profile

Answer 4 quick questions. This personalises your target asset allocation.

1. If your portfolio dropped 20% in a month, you would:

2. Your primary investment goal is:

3. Your investment horizon is:

4. Your monthly income is:

Calculator 1: Asset Allocation Analyzer

Enter your current portfolio values. We'll show where you stand vs. your ideal allocation.

Your Age

Mutual Funds – Equity (₹)

Stocks – Direct Equity (₹)

Mutual Funds – Debt (₹)

NPS (₹)

PPF (₹)

EPF (₹)

₹0

Total Portfolio

Asset	Value	Actual %	Target %	Status

Calculator 2: Withdrawal Planner

Tell us how much you need. We'll rank your assets by tax efficiency and liquidity.

Withdrawal Goal (₹)

Your Age

Income Tax Slab

MF Equity held (months)

Stocks held (months)

MF Debt held (months)

EPF service years

PPF account age (years)

Gain % on Equity (MF + Stocks) = (Current − Invested) ÷ Invested × 100 | e.g. ₹1Cr on ₹60L = 67%

Gain % on Debt MF = (Current − Invested) ÷ Invested × 100 | e.g. ₹20L on ₹17L = 18%

Withdrawal Strategy

EPF → PPF → Debt → Equity. Minimises tax leakage on withdrawal.

Recommended Withdrawal Order

Rank	Asset	Available	Tax Cost	Net In-Hand	Status

In-Hand Salary Calculator

Enter your CTC and deduction details to compute your monthly take-home. Compare Old vs. New tax regime instantly.

Annual CTC (₹)

Basic Salary % Typically 40–50% of CTC

HRA % % of Basic. 0 if no HRA

City Type

Monthly Rent Paid (₹) HRA exemption applies only if you pay rent

Professional Tax / month (₹) State-specific, usually ₹150–₹2400/yr

Section 80C (₹/yr) Max ₹1.5L — ELSS, PPF, EPF, LIC, home loan principal

Section 80D Health Insurance (₹/yr) Self+family ₹25K, parents extra ₹25K–₹50K

NPS Employer Contribution (₹/yr) 80CCD(2): exempt in both regimes — up to 10% of Basic (14% for Govt). Check your salary slip.

NPS Employee 80CCD(1B) (₹/yr) Extra ₹50K over 80C limit — Old Regime only

Other Deductions (₹/yr) Home loan interest (24b), education loan, etc.

SIP Returns Calculator

Calculate how your SIP investments grow over time, or find the monthly SIP needed to reach your goal.

Monthly SIP Amount (₹)

Expected Annual Return (%) Equity MF avg ~12%, Debt ~7%, Index ~11%

Investment Duration (years)

Year-by-Year Growth

Year	Amount Invested	Corpus	Total Gains	Gain %

Gratuity Calculator

Calculate your gratuity entitlement as per the Payment of Gratuity Act, 1972.

Last Drawn Basic + DA (₹/month)

Years of Service Minimum 5 years for eligibility. Include completed years + months ÷ 12.

Employer Type Most companies with 10+ employees are Act-covered.

Home Loan EMI Calculator

Calculate your monthly EMI, total interest outgo, and see how the loan amortizes year by year.

Loan Amount (₹) Property value minus down payment

Annual Interest Rate (%) Current SBI home loan ~8.5–9.15%

Loan Tenure (years)

Year-by-Year Amortization

Year	EMI Paid (Annual)	Principal Repaid	Interest Paid	Outstanding Balance

Disclaimer: This tool is for educational and informational purposes only. It does not constitute financial, investment, or tax advice. Tax rules are based on FY 2024-25 Indian tax laws and may change. Please consult a SEBI-registered investment advisor before making any financial decisions.

Investment Health Check