How EMI is calculated
Learn the reducing-balance formula behind a monthly loan EMI.
Read How EMI is calculatedWealthAura guides
Financial calculation guides
Practical India-focused explainers that make the inputs, formulas and limits behind each tool easier to understand.
EMI & Loans
EMI principal vs interest
Understand how each EMI is split between principal repayment and interest.
Read EMI principal vs interestLoan tenure vs total interest
Compare a lower monthly EMI with the interest cost of a longer loan.
Read Loan tenure vs total interestLoan prepayment and EMI
Understand why a part-prepayment can reduce loan interest and what to confirm with the lender.
Read Loan prepayment and EMISIP & Investments
How SIP returns are calculated
See the monthly compounding assumption behind a SIP projection.
Read How SIP returns are calculatedSIP vs lump sum
Compare recurring investing with investing one amount at once.
Read SIP vs lump sumStep-up SIP explained
See how increasing a monthly SIP changes contributions and projected value.
Read Step-up SIP explainedCAGR vs XIRR
Know when an annualised return and a cash-flow-based return answer different questions.
Read CAGR vs XIRRPPF calculation rules & compounding schedule
Learn how PPF interest is calculated, the 5th of the month rule, and 15-year maturity compounding.
Read PPF calculation rules & compounding scheduleSWP explained: how to plan mutual fund monthly income
How Systematic Withdrawal Plans generate regular cash flow while allowing remaining mutual fund investments to grow.
Read SWP explained: how to plan mutual fund monthly incomeSalary & Deductions
CTC vs take-home salary
See why CTC, gross salary and the amount credited to your account differ.
Read CTC vs take-home salarySalary deductions in India
Understand common payroll deductions and why they can vary.
Read Salary deductions in IndiaHow to calculate annual salary
Convert monthly figures to an annual salary without confusing CTC and take-home.
Read How to calculate annual salaryWhat ₹71,000 take-home salary can mean
A practical explanation of why one take-home figure does not imply one universal CTC.
Read What ₹71,000 take-home salary can meanUnderstanding CTC in India
Read a CTC breakup without mistaking employer cost for monthly cash salary.
Read Understanding CTC in IndiaHow gratuity is calculated in India: 15/26 rule & limits
Understand gratuity eligibility, the 15/26 working days formula, and statutory ₹20 Lakh tax exemption rules.
Read How gratuity is calculated in India: 15/26 rule & limitsRetirement & Pensions
NPS calculation: lump sum, annuity & pension rules
How the National Pension System (NPS) corpus is calculated, tax-free lump sum rules, and monthly pension annuities.
Read NPS calculation: lump sum, annuity & pension rulesTax Planning & HRA
How HRA exemption is calculated under Section 10(13A)
Step-by-step breakdown of the 3-condition rule for calculating tax-free House Rent Allowance in India.
Read How HRA exemption is calculated under Section 10(13A)Fixed & Recurring Deposits
How FD interest is calculated
Understand principal, rate, compounding frequency and maturity.
Read How FD interest is calculatedFD simple vs compound interest
See why a cumulative FD can produce a different maturity from simple interest.
Read FD simple vs compound interestHow to calculate FD maturity
Calculate the estimated maturity amount and interpret the result.
Read How to calculate FD maturityFD compound interest
Understand how compounding contributes to a cumulative FD maturity estimate.
Read FD compound interestCumulative vs non-cumulative FD
Compare reinvested interest with periodic interest payouts.
Read Cumulative vs non-cumulative FDFD interest and TDS
A high-level guide to FD interest, tax reporting and TDS checks.
Read FD interest and TDSHow Recurring Deposit (RD) interest is calculated
Understand Indian bank quarterly compounding for monthly RD deposits and how maturity amounts are determined.
Read How Recurring Deposit (RD) interest is calculatedGST
How GST is calculated
Learn to add GST to a base price or remove it from an inclusive price.
Read How GST is calculatedGST-inclusive vs exclusive prices
Avoid the common mistake of adding a percentage to an already inclusive price.
Read GST-inclusive vs exclusive pricesCGST, SGST and IGST explained
Understand the high-level difference between GST components without assuming tax treatment.
Read CGST, SGST and IGST explained