Financial calculators that show
what your money is really worth
Every other calculator shows you fantasy numbers. We deduct inflation and taxes to show what your investments can actually buy when you need them.
Financial Calculators
SIP Calculator
Calculate your SIP returns with step-up, inflation, and LTCG tax adjustments. See what your corpus is really worth.
Calculate →Lumpsum Calculator
Calculate one-time investment returns with inflation and LTCG tax. See what your lumpsum is actually worth in today's rupees.
Calculate →Income Tax Calculator
Compare old vs new regime side-by-side. See which saves more tax based on your actual deductions.
Calculate →EMI Calculator
See how much of your home loan EMI goes to interest. On a 20-year loan, you might pay more in interest than the loan itself.
Calculate →NPS Calculator
Calculate your pension corpus with annuity split. See what your monthly pension is really worth after inflation.
Calculate →FD Calculator
See what your Fixed Deposit actually earns after TDS and inflation. Spoiler: it's less than you think.
Calculate →PPF Calculator
Tax-free returns sound great — but what does your PPF actually buy after 15 years of inflation?
Calculate →HRA Calculator
Check which of the three HRA rules limits your exemption. See taxable vs tax-free breakdown instantly.
Calculate →EPF Calculator
See your provident fund corpus at retirement with salary increments and employer matching.
Calculate →Gratuity Calculator
Calculate your gratuity entitlement with tax-free limit check. Know what you're owed before you resign.
Calculate →SSY Calculator
Sukanya Samriddhi Yojana: deposit 15 years, earn 21 years. See the maturity value for your daughter.
Calculate →SWP Calculator
Plan your systematic withdrawals. See how long your corpus lasts with inflation-adjusted spending.
Calculate →Stamp Duty Calculator
State-wise stamp duty and registration charges. See how much extra property purchase actually costs.
Calculate →RD Calculator
Monthly savings in a recurring deposit? See the real maturity value after tax and inflation.
Calculate →CAGR Calculator
Your fund shows 5× growth in 10 years. The inflation-adjusted CAGR tells the real story.
Calculate →Lumpsum vs SIP
Compare lumpsum and SIP strategies for the same amount. Find out which actually wins after tax and inflation.
Calculate →Salary Calculator
CTC to in-hand salary breakdown. See exactly how EPF, professional tax, and TDS eat into your pay.
Calculate →FIRE Calculator
Financial Independence, Retire Early. See your FIRE number and how many years until you never need to work again.
Calculate →FD vs SIP Calculator
Compare Fixed Deposit and SIP returns after TDS, LTCG tax, and inflation. See the real difference in purchasing power.
Calculate →EPF vs PPF vs NPS Calculator
Compare all three retirement instruments side-by-side. See which builds the most wealth after tax and inflation.
Calculate →Why RupeeReality?
Inflation Toggle
See what your corpus will actually buy in future rupees. A crore today ≠ a crore in 20 years.
LTCG Tax Impact
12.5% tax + 4% cess on gains above ₹1.25L. Your actual take-home is less than you think.
No BS Numbers
Other calculators show the dream. We show the reality. Plan with eyes open.
Why Most Financial Calculators Mislead You
Search for "SIP calculator" and you'll see dozens of tools that promise crores in returns. They're not wrong — mathematically. But they hide two costs that slash your real wealth: inflation and taxes.
At 6% inflation, ₹1 crore twenty years from now has the purchasing power of roughly ₹31 lakhs today. Add 12.5% LTCG tax on equity gains above ₹1.25 lakh, and your "1 crore" drops further. The number you plan your retirement on shouldn't be a fantasy.
How RupeeReality Calculators Work
Every calculator on this site uses standard financial formulas — compound interest, annuity, amortization — the same ones banks and fund houses use. What we add is a reality layer:
- Inflation toggle — converts future values into today's purchasing power so you can actually plan around them
- Tax deduction — applies current LTCG rules (12.5% + 4% cess) or TDS at your slab rate, depending on the instrument
- Step-up SIP — because most salaried investors increase their monthly investment every year
The result is a number you can trust — not an inflated projection that falls apart when you actually need the money.
Calculators for Every Stage of Financial Planning
Whether you're starting your first SIP, evaluating a home loan EMI, checking your gratuity before switching jobs, or planning retirement withdrawals with SWP — we have a purpose-built calculator. Each one includes detailed explanations of how the math works, what assumptions we make, and where the numbers come from.
All calculators are free, require no sign-up, and work on mobile. Numbers stay on your device — we don't store any financial data.