Finance Blog 2025 – 54+ Expert Articles
In-depth guides on SIP, tax, loans, compounding, and wealth building.
Loan EMI Calculator
EMI-
Total Paid-
Interest-
Pay-off Date-
Amortization Schedule (max 500 rows)
| # | Month | Date | EMI | Principal | Interest | Extra | Balance |
|---|
Formula
EMI = P × r × (1+r)^n / ((1+r)^n – 1)
Tip: ₹5K extra EMI saves ₹8.4L interest.
Income Tax Calculator FY 2025-26 (AY 2026-27)
Calculate tax under New & Old Regime | Includes rebates, cess, and standard deduction.
Tax Breakdown
Taxable Income₹0
Tax Before Rebate₹0
Rebate u/s 87A₹0
Tax After Rebate₹0
Health & Education Cess (4%)₹0
Total Tax Payable₹0
Tip: New Regime: Up to ₹12L tax-free (with rebate). Old Regime: More deductions
but higher rates.
Income Tax Slabs FY 2025-26
| Income Range | New Regime Rate | Old Regime Rate (Under 60) | |
|---|---|---|---|
| ₹0 - ₹4L | 0% | 0% (up to ₹2.5L) | |
| ₹4L - ₹8L | 5% | 5% (₹2.5L - ₹5L) | |
| ₹8L - ₹12L | 10% | 20% (₹5L - ₹10L) | |
| ₹12L - ₹16L | 15% | 30% (above ₹10L) | |
| ₹16L - ₹20L | 20% | Senior: 0% up to ₹3L | |
| ₹20L - ₹24L | 25% | Super Senior: 0% up to ₹5L | |
| Above ₹24L | 30% | Surcharge: 10-37% on high incomes | |
New Regime: Rebate up to ₹60,000 (income ≤ ₹12L). Old Regime: Rebate up to ₹12,500 (income ≤
₹5L). Cess: 4% on all.
Advanced SIP Calculator – India 2025
Mutual Funds, Stocks, ETFs, Bonds, Gold | LTCG 12.5% | STCG 20% | Indexation | Step-Up | Inflation | PDF
Equity: 12-15% | Debt: 7-8% | Gold: 8-10%
Total Invested: ₹0
Future Value: ₹0
Wealth Gain: ₹0
Real Value (Infl. Adj.): ₹0
Tax on Gains: ₹0
Net Amount: ₹0
Yearly Growth
| Year | SIP | Invested | Start Bal | Gain | End Bal |
|---|
India Tax Rules 2025
LTCG (Equity): 12.5% on gains > ₹1.25L
STCG: 20%
Debt: Taxed at slab rate (30% assumed)
Gold: 12.5% LTCG
Pro Tip: ₹10K SIP @12% + 10% step-up → ₹1.8Cr in 15 years
Advanced Compound Interest Calculator – Stocks, FD, MF 2025
Summary (Nominal vs Real after Inflation)
| Principal + Contributions | ₹0 |
| Total Interest/Gains | ₹0 |
| Final Value (Nominal) | ₹0 |
| Final Value (Real, Inflation-Adj) | ₹0 |
| Est. Tax on Gains | ₹0 |
Grows to ₹0 (Nominal) | ₹0
(Real)!
Volatility Range: ₹- to ₹-
Yearly Growth
| Year | Start Bal | Contribution | Gains | End Bal |
|---|
Advanced Formula & Tips (FY 2025-26)
FV = P(1 + r/n)nt + Σ[C_i × (1 +
r/n)n(t-i)]
Where r = return rate, n = frequency, C_i = stepped contributions.
FD: ~7% p.a., taxable as income (TDS >₹40K). Safe but
inflation-beating barely.
MF/Stocks: 12-18% historical, LTCG tax 12.5% on gains >₹1.25L (1+ yr hold). Use growth option for auto-reinvest.
MF/Stocks: 12-18% historical, LTCG tax 12.5% on gains >₹1.25L (1+ yr hold). Use growth option for auto-reinvest.
Pro Tip: Start early—₹10K/yr @12% + 10% step-up → ₹50L in 20y.
Adjust for volatility in stocks (use SIP for averaging).
Profit / Loss % Calculator
Breakdown
| Cost | ₹0 |
| Sale | ₹0 |
| Brokerage | ₹0 |
| Profit/Loss | ₹0 |
| % | 0% |
0
Formula
Profit % = [(Sell‑Buy)/Buy] × 100
Tip: Include 0.1% brokerage for accuracy.