Financial Calculators — Trendline Fincap

Wealth Creation

SIP Calculator

Calculate the wealth you can build through a Systematic Investment Plan. Supports Step-Up SIP — no limits on amount, rate or tenure.

Monthly SIP Amount (Rs)

Annual Return (%)

Tenure (Years)

Annual Step-Up (%)

Increases SIP by this % every year.

One-Time Lump Sum Investment (Rs) — Optional

Invested at the start. Grows alongside your SIP at the same return rate.

Enter values and click Calculate

Retirement Income Planning

SWP Calculator

Plan monthly income from your corpus. See a full year-by-year table showing corpus growth, withdrawals, and residual balance — because every investor's rate and withdrawal differ.

Initial Corpus (Rs)

Monthly Withdrawal (Rs)

Annual Return on Corpus (%)

Annual Withdrawal Increase (%)

Raises monthly withdrawal each year — models rising cost of living.

Plan for (Years)

Enter values and click Calculate

Loan Planning

EMI Calculator

Monthly EMI for any loan — home, car, personal, or business. Full interest and payment breakdown.

Loan Amount (Rs)

Annual Interest Rate (%)

Tenure (Years)

Enter values and click Calculate

Tax Planning — Budget 2024

Capital Gains Tax Calculator

Enter purchase and sale dates — the calculator automatically determines STCG or LTCG and computes the exact tax as per Budget 2024 rates. No manual slab selection needed.

Asset Type

Date of Purchase

Date of Sale

Purchase Cost (Rs)

Total cost of acquisition including brokerage.

Sale Value (Rs)

Net sale consideration after brokerage/charges.

Your Annual Income (Rs) — for slab rate calculation

Used only to determine your income tax slab. Required for assets taxed at slab rate.

Enter asset details and dates — tax type is calculated automatically

Tax Planning — FY 2024-25

Income Tax Calculator

Calculates tax under both Old and New regime for FY 2024-25. Select your employment type and preferred regime — the calculator applies correct standard deduction, rebates, surcharge and cess automatically.

Employment Type

Age Group

Select Tax Regime

New Regime is default from FY2024-25. Old Regime must be opted in explicitly.

Annual Gross Income (Rs)

For salaried: CTC or gross salary before any deductions.

Employer NPS Contribution — 80CCD(2) (Rs)

Employer NPS contribution — deductible in BOTH regimes. Max 10% of basic+DA (private), 14% for central govt.

Old Regime Deductions

Section 80C (Rs)

EPF, PPF, ELSS, LIC, tuition fees, home loan principal. Cap: Rs 1.5L.

Section 80D — Health Insurance (Rs)

Self+family: Rs 25k (Rs 50k if senior). Parents: Rs 25k extra (Rs 50k if senior parents).

Section 24B — Home Loan Interest (Rs)

Max Rs 2L for self-occupied property.

HRA Exemption (Rs)

HRA exempt = min of: actual HRA, 50%/40% of salary, actual rent − 10% salary.

Section 80CCD(1B) — NPS Own (Rs)

Additional NPS Tier I contribution. Max Rs 50k. Over and above 80C.

Other Deductions — 80G, 80E, 80TTA etc. (Rs)

Donations 80G, education loan interest 80E, savings interest 80TTA (max Rs 10k).

Section 80CCD(1B) — NPS Own (Rs) — New Regime

Own NPS Tier I contribution — deductible under New Regime from FY2024-25 (Budget 2024).

Select regime, enter income and click Calculate

Purchasing Power

Inflation Calculator

See what today's money will be worth in the future — and whether your investment beats inflation.

Current Amount or Monthly Expense (Rs)

Annual Inflation Rate (%)

Time Period (Years)

Your Investment Return Rate (%) — Optional

Shows if your investment outpaces inflation over the same period.

Enter values and click Calculate

Retirement Planning — PFRDA Amendment Regulations 2025

NPS Calculator

Covers NPS Tier I and Tier II. Withdrawal rules updated per PFRDA (Exits and Withdrawals under NPS) Amendment Regulations, December 2025 — with separate rules for Government, Private/Corporate, and All Citizen (self-employed) subscribers.

PFRDA 2025 Key Rules — Non-Government (Private/Corporate/All Citizen)

Corpus up to Rs 8 lakh: 100% lump sum allowed.
Corpus Rs 8L to Rs 12L: Up to Rs 6L lump sum; balance via SUR/annuity.
Corpus above Rs 12L: Up to 80% lump sum; minimum 20% annuity.
Government employees: Up to 60% lump sum; minimum 40% annuity (unchanged).
Tax-free: Only 60% of corpus u/s 10(12A). The additional 20% (if taken as lump sum) is taxable at slab rate until Income Tax Act is amended.
Tier II: No lock-in, no annuity. Fully liquid. No tax benefit (except government employees with 3-yr lock-in).
Exit age extended to 85 for both government and non-government subscribers.

Tier I — Pension Account

Tier II — Savings Account

Subscriber Category

Current Age (Years)

Retirement / Exit Age

Min 60 per PFRDA. Max 85 (extended exit option).

Monthly Contribution (Rs)

Annual Step-Up in Contribution (%)

Expected Annual Return (%)

Tier I equity funds: 10-12% CAGR historically.

Annuity Rate at Exit (% p.a.)

PFRDA-empanelled ASPs (LIC, HDFC Life, SBI Life): typically 5-7% p.a.

Annuity Allocation (%) — Subject to PFRDA rules

Minimum 20% for private/self-employed (PFRDA 2025). Minimum 40% for government employees.

NPS Tier II — Key Facts

Optional savings account — can only be opened by Tier I holders.
No lock-in. Withdraw anytime, any amount, for any reason.
No mandatory annuity. Full amount accessible.
Minimum initial contribution: Rs 1,000. Minimum subsequent: Rs 250.
No minimum annual contribution required.
Tax benefit: NOT available for private/self-employed subscribers.
Government employees (Central): 80C deduction with 3-year lock-in.
Returns: Same fund options as Tier I. Market-linked.

Current Corpus in Tier II (Rs)

Monthly Contribution (Rs)

Annual Return (%)

Investment Horizon (Years)

Subscriber Category (for tax note)

Select Tier, enter values and click Calculate

Your Financial Toolkit

SIP Calculator

SWP Calculator

EMI Calculator

Capital Gains Tax Calculator

Income Tax Calculator

Inflation Calculator

NPS Calculator

PFRDA 2025 Key Rules — Non-Government (Private/Corporate/All Citizen)

NPS Tier II — Key Facts

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