
Financial Planning for Beginners India 2026 — Your 7-Step Money Roadmap
A complete, actionable financial planning guide for young Indians. Emergency fund, insurance, debt, investing — in the right order, with real numbers.

Free, accurate, India-first calculators + zero-fluff money guides. In English, हिंदी, বাংলা.
Monthly EMI
₹24,168
20yr · ₹25L · 8.5%
SIP Goal
₹1.2 Cr
15yr · ₹10K/mo
Tax Saved
₹43,680
New Regime FY26-27
Monthly EMI
₹24,168
SIP Goal
₹1.2 Cr
Tax Saved
₹43,680
Free tools trusted by lakhs of Indians
Calculate your home loan EMI, total interest, tax benefits, and full amortization schedule.
Calculate personal loan EMI and total repayment amount instantly.
Plan your car loan EMI, total cost, and interest breakdown instantly.
Calculate SIP returns with compound interest for your mutual fund investments.
Find the monthly SIP needed to reach a future goal after adjusting for current savings.
Calculate returns on one-time mutual fund investments over any period.
Calculate Compound Annual Growth Rate on investments over any period.
Calculate annualised portfolio returns for SIPs and staggered investments using XIRR.
Compare old vs new tax regime for FY 2026-27 and find your best option.
Calculate GST inclusive/exclusive with CGST, SGST, and IGST breakdown.
Calculate HRA exemption from income tax under Section 10(13A).
Convert CTC to take-home salary with basic, HRA, PF, and tax breakdown.
Estimate your settlement under the 2026 Foreign Assets Small-Taxpayer Disclosure Scheme — anonymously.
Estimate Indian stock market brokerage, STT, GST, exchange charges, stamp duty, and net profit.
Calculate fixed deposit maturity amount with quarterly compounding.
Calculate how much liquid savings you need for emergencies and how fast to build it.
Calculate PPF maturity value, interest earned, and yearly breakdown.
Calculate your Employee Provident Fund corpus at retirement.
Calculate NPS pension corpus, lump sum and monthly pension at retirement.
Money Hack of the Day
You can claim HRA AND home loan interest deduction simultaneously if your rented home and owned home are in different cities.
Read the home loan guideZero-fluff money guides for Indian readers

A complete, actionable financial planning guide for young Indians. Emergency fund, insurance, debt, investing — in the right order, with real numbers.

Learn what SIP (Systematic Investment Plan) is, how it works, how to choose the right mutual fund, and how to start your first SIP in India with ₹500.

Complete comparison of old and new income tax regimes for FY 2026-27. With tax slab tables, worked examples, and a clear framework to choose the better option.