Tax planning, mutual funds, insurance, retirement planning, loans, and budgeting — make your money work smarter for a secure financial future.
Estimate future value of your monthly mutual fund investments with step-up options
Compare Old vs New tax regime to find which saves you more money
Calculate EMI, total interest, and check prepayment benefits
Calculate term life and health insurance coverage you need
ELSS, PPF, NPS, tax-saver FDs, and health insurance compared for returns, liquidity, and tax benefits.
SEBI's new multi-cap classification rules and what they mean for your portfolio allocation.
Complete comparison of tax benefits, returns, withdrawal rules, and annuity options.
IRDAI allows dynamic pricing based on claims; tips to reduce premium without compromising coverage.
Practical adjustments for essentials, discretionary spending, and savings in current economy.
Balance transfer costs, processing fees, and when switching makes financial sense.
| Instrument | Lock-in Period | Expected Returns | Risk Level | Tax on Returns |
|---|---|---|---|---|
|
ELSS Mutual Funds
|
3 years | 12-15% (historical) | Moderate-High | LTCG >₹1L taxed @ 10% |
|
PPF (Public Provident Fund)
|
15 years | 7.1% (guaranteed) | Very Low | EEE - Tax Free |
|
NPS Tier-1
|
Till age 60 | 9-11% (market-linked) | Moderate | 40% tax-free, 60% taxable |
|
Tax-Saver FD
|
5 years | 6.5-7.5% (guaranteed) | Low | Taxed as per slab |
|
LIC / Insurance Plans
|
5 years minimum | 5-6% (approximate) | Low | Tax-free under conditions |
|
Sukanya Samriddhi Yojana
|
21 years | 8.0% (guaranteed) | Very Low | EEE - Tax Free |