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 (2026) to find which saves you more money
Calculate EMI, total interest, and check prepayment benefits
Calculate term life and health insurance coverage you need
Detailed comparison with examples: how 80C, 80D, HRA affect your choice. Last‑minute investment tips before 31 March.
Funds like Nippon Small Cap, HDFC Small Cap deliver stellar returns. Should you book profits or stay invested?
Updated for March 2026: NPS equity-linked returns now 12.5%, PPF rate 7.1%, APY guaranteed pension – complete analysis.
IRDAI approves dynamic pricing; compare top plans & buy before March 31 to avoid higher premiums and get full tax benefit.
Practical guide to rework your budget with current CPI trends. Digital tools to track expenses.
Interest rates, processing fees, and balance transfer calculations – find the cheapest lender for your home loan.
| 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 |