About RupeeReality

Why We Built This

Every financial calculator on the internet shows you the dream: big numbers that assume inflation doesn't exist and the government doesn't tax your gains. We built RupeeReality to show you the reality.

What We Do Differently

Our calculators come with built-in toggles for:

  • Inflation adjustment: see what your future corpus is worth in today's purchasing power
  • LTCG tax deduction: 12.5% + 4% cess on equity gains above ₹1.25 lakh (per Income Tax Act 2025)
  • Annual step-up: because smart investors increase their SIP every year

Who Is This For

Indian retail investors, salaried professionals, and anyone making financial decisions based on calculator results. If you've ever Googled "SIP calculator" and used the number to plan your retirement: you need to see the adjusted version.

Who Builds This

RupeeReality is built by Amir Khan, a software engineer who manages his own money and got tired of calculators that ignore real-world costs. He uses these tools himself for financial planning. You can find more about Amir at .

Accuracy & Methodology

Our calculations use standard financial formulas (compound interest, annuity, amortization) cross-referenced against RBI, CBDT, and EPFO published rates. Tax slabs and rules are updated within a week of each Union Budget announcement. LTCG rates follow Income Tax Act 2025 (12.5% + 4% cess above ₹1.25L).

All calculation logic is open and deterministic: no black boxes. However, this is not financial advice. For personalized planning, consult a SEBI-registered investment advisor.

Last updated: June 2026 (Income Tax Act, 2025 slabs effective April 1, 2026)

Contact

Have a suggestion or found a bug? Reach out at [email protected].