Investment Health Check

Free tools for Indian salaried employees and investors.

No data stored 6 calculators India tax rules (FY 2024-25)

Asset Allocation Analyzer

Enter your current portfolio values and risk profile. We'll show where you stand vs. your ideal allocation. Run this first to unlock the Withdrawal Planner below.

In-Hand Salary Calculator

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

Typically 40–50% of CTC
% of Basic. 0 if no HRA
HRA exemption applies only if you pay rent
State-specific, usually ₹150–₹2400/yr
Max ₹1.5L — ELSS, PPF, EPF, LIC, home loan principal
Self+family ₹25K, parents extra ₹25K–₹50K
80CCD(2): exempt in both regimes — up to 10% of Basic (14% for Govt). Check your salary slip.
Extra ₹50K over 80C limit — Old Regime only
Home loan interest (24b), education loan, etc.
CTC Benefits (Employer Contributions in your CTC) — expand if your CTC includes EPF / NPS / Gratuity

These are employer-side costs included in your CTC that never reach your bank account. The calculator strips them from CTC before computing in-hand. Check your salary slip for these figures.

Standard 12%. Set 0 if your company doesn't deduct EPF.
Most large companies deduct on full Basic. Select ₹15K cap only if your payslip shows a capped EPF amount.
Check your offer letter / salary slip breakdown.
If yes, also enter the annual amount in "NPS Employer Contribution" above for the tax exemption.
Standard 4.81% of Basic. Compulsory for companies with 10+ employees.
Your monthly share deducted from salary (e.g. ₹492). Employer share is already in CTC.

SIP Returns Calculator

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

Equity MF avg ~12%, Debt ~7%, Index ~11%

SIP Fund Recommendations

Choose your category and get fund-type recommendations with suggested allocation percentages.

These are category-level recommendations — not specific fund picks. Past returns are indicative. Consult a SEBI-registered advisor before investing.
Suggested allocation across equity categories
Large Cap 40% Mid Cap 25% Flexi Cap 20% Small Cap 15%
Large Cap Funds
Equity
40% allocation
Avg returns: 10–13% CAGR (10-yr)
Invest in the top 100 companies by market cap. Lower volatility within equity, suitable as the stable core of your portfolio.
Nifty 50 IndexNifty Next 50Large Cap Active
Medium Risk
Mid Cap Funds
Equity
25% allocation
Avg returns: 14–18% CAGR (10-yr)
Companies ranked 101–250 by market cap. Higher growth potential than large caps with moderate volatility. Best for 7+ year horizon.
Nifty Midcap 150Mid Cap Active
Moderately High Risk
Flexi Cap / Multi Cap Funds
Equity
20% allocation
Avg returns: 12–16% CAGR (10-yr)
Fund manager allocates freely across large, mid, and small caps based on market conditions. Good for a single diversified equity SIP.
Parag Parikh Flexi CapHDFC Flexi Cap
Medium Risk
Small Cap Funds
Equity
15% allocation
Avg returns: 16–22% CAGR (10-yr, high variability)
Invest in companies ranked 251+ by market cap. Highest return potential but also highest drawdown risk. Only for 10+ year horizon with high risk appetite.
Nifty Smallcap 250Small Cap Active
High Risk
Suggested allocation across debt categories
Arbitrage 35% Short Duration 30% Corporate Bond 20% Liquid / Ultra Short 15%
Arbitrage Funds Tax-Smart
Debt-like
35% allocation
Returns: 6–7.5% · Taxed as Equity
Exploit price differences between cash and futures markets. Returns are similar to liquid funds but taxed as equity — after 1 year, gains are LTCG at 10% (vs 30% slab for debt). Best for investors in 20–30% tax brackets looking for parking/short-term allocation.
Nippon India ArbitrageHDFC ArbitrageKotak Equity Arbitrage
Very Low Risk
Short Duration Funds
Debt
30% allocation
Returns: 7–8% · Taxed as debt (slab rate)
Invest in bonds with 1–3 year maturity. Moderate interest rate sensitivity. Suitable for 2–3 year goals. More stable than long-duration funds.
HDFC Short Term DebtAxis Short Term
Low Risk
Corporate Bond Funds
Debt
20% allocation
Returns: 7.5–9% · Taxed as debt (slab rate)
At least 80% in AA+ and above rated corporate bonds. Better yield than govt. securities funds with manageable credit risk. Good for 3+ year goals.
ICICI Pru Corporate BondAditya Birla Corp Bond
Low-Medium Risk
Liquid / Ultra Short Term
Debt
15% allocation
Returns: 6–7% · Taxed as debt (slab rate)
Park emergency fund or short-term cash here. Invest in T-bills and commercial paper with up to 91-day maturity. Near-zero credit and duration risk. Ideal alternative to savings accounts.
SBI Liquid FundNippon India Liquid
Lowest Risk
Hybrid funds let a single SIP straddle both equity and debt — ideal if you want simplicity without manual rebalancing.
Aggressive Hybrid Funds
Hybrid
65–80% equity
Returns: 11–14% CAGR · Taxed as Equity
SEBI mandates 65–80% equity, rest in debt. Auto-rebalances. Taxed as equity (LTCG 10% after 1 yr). Good for moderate-risk investors seeking growth with some cushion.
HDFC Hybrid EquityICICI Pru Equity & Debt
Medium-High Risk
Balanced Advantage Funds (BAF)
Hybrid
Dynamic 30–80% equity
Returns: 10–13% CAGR · Taxed as Equity
Dynamically shifts equity/debt ratio based on market valuations (P/E, P/B). Reduces equity in overvalued markets, increases in corrections. Lower volatility than pure equity. Often first-time investors' go-to hybrid.
Edelweiss BAFHDFC BAFNippon India BAF
Medium Risk
Conservative Hybrid Funds
Hybrid
10–25% equity
Returns: 8–10% CAGR · Taxed as Debt
Mostly debt (75–90%) with a small equity kicker for slightly better returns than pure debt funds. Suitable for retirees or near-goal investors wanting capital preservation with mild growth.
ICICI Pru Regular SavingsSBI Conservative Hybrid
Low-Medium Risk
Multi Asset Allocation Funds
Hybrid
Equity + Debt + Gold/REITs
Returns: 10–14% CAGR · Taxed as Equity (if ≥65% eq)
Spreads across 3+ asset classes including gold or REITs. Lower correlation between assets reduces drawdowns. Best for investors who want a truly diversified single-fund portfolio.
Quant Multi AssetICICI Pru Multi AssetNippon India Multi Asset
Medium Risk

Gratuity Calculator

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

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

Property value minus down payment
Current SBI home loan ~8.5–9.15%

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.