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Assets minus liabilities
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Post-tax estimate
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After essentials
Best Tax Regime
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Tax center output
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FY 2025-26
💡 Basic ~40% of CTC | PF = 12% of Basic | Gratuity ≈ Basic×15/26 | Standard deduction ₹75,000 under New Regime
Salary Breakdown
Monthly viewMonthly In-Hand
₹0
After all deductions + estimated tax
Tax Inputs
Deductions & incomeTax Comparison
FY 2025-26 slabsCapital Gains
| Type | Amount | Tax | Rate |
|---|
Slab Reference
FY 2025-26New Regime (Default) — Std deduction ₹75,000
| Income | Rate |
|---|---|
| Up to ₹4 lakh | NIL |
| ₹4L – ₹8L | 5% |
| ₹8L – ₹12L | 10% |
| ₹12L – ₹16L | 15% |
| ₹16L – ₹20L | 20% |
| ₹20L – ₹24L | 25% |
| Above ₹24L | 30% |
87A rebate: Tax = 0 if taxable income ≤ ₹12L (effective ≤ ₹12.75L with std deduction)
Old Regime — Std deduction ₹50,000
| Income | Rate |
|---|---|
| Up to ₹2.5 lakh | NIL |
| ₹2.5L – ₹5L | 5% |
| ₹5L – ₹10L | 20% |
| Above ₹10L | 30% |
87A rebate: Tax = 0 if taxable income ≤ ₹5L | Cess 4% on all tax
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Monthly Summary
Budget Check — 50 / 30 / 20
Needs / Wants / SavingsTransaction Ledger
0 entries| Date | Type | Category | Notes | Amount |
|---|
Monthly History
Save a snapshot to track over time| Month | Income | Needs | Wants | Savings | Saved On |
|---|
Detailed line-item tracking for your monthly Needs (50%) and Wants (30%) buckets. Totals here roll up into the Cash & Budget 50/30/20 check automatically.
🏠 Needs — Essential Expenses
₹0🎮 Wants — Discretionary Spending
₹0Needs vs Wants vs Budget
Your 20% Savings bucket, broken into where it actually goes. This connects to Wealth & Goals and Debt & EMI for the full picture.
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Allocation Check
Where Your 20% Goes
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Bills Summary
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Paid This Month
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Age-basedGoal Tracker
| Goal | Target | Current | Monthly SIP | Years | Projected | Status |
|---|
Debt Profile
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EMI Affordability Calculator
Should I take this loan?Purchase Approval Engine
20/4/10 rule enforcedVehicle Database
Affordable options for youAdd Job / Offer
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| Company | Role | Status | CTC | Monthly In-Hand | Post-City Surplus | Notes |
|---|
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✦ CFO Chat — Gemini AI
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Payoff Strategy
Avalanche (highest rate first)What Can I Buy Right Now?
Based on your live financial dataVehicle Suggestions For You
Filtered by your 20/4/10 capacityNegotiation Inputs
Negotiation Summary
Your Negotiation Script
Word-for-word, India corporate norms🚗 Car — Buy vs Rent/Lease
🏠 Property — Buy vs Rent
Both calculators compare total cost of ownership (loan interest + upkeep + depreciation/appreciation) against renting over the same period, plus the opportunity cost of your down payment if invested instead.
📸 Built for photographers, consultants, and professionals earning freelance income. Uses Section 44ADA presumptive taxation — 50% of receipts is your taxable income. No detailed bookkeeping needed up to ₹50L (₹75L if 95%+ digital).
Freelance Income Details
Tax Calculation — 44ADA
Advance Tax Schedule
FY 2025-26Under 44ADA, you can pay 100% advance tax in one shot by 15th March — no quarterly splits required.
| Quarter | Due Date | Cumulative % | Amount Due | Status |
|---|
GST & Compliance Checklist
⚡ Rule of 72
How long to double your money?
Quick compare: FD ~6.5% → doubles in 11.1 yrs | PPF ~7.1% → 10.1 yrs | Equity ~12% → 6 yrs | Crypto ~0% guaranteed
🔥 Inflation Eroder
What is your money really worth?📈 SIP Step-Up Calculator
Increase SIP by % every year🛡️ Insurance Adequacy Check
Human Life Value method🔄 Break-Even Calculator
Buy vs Rent / Own vs Outsource☕ Latte Factor
What small daily spends really cost you
Not about denying yourself coffee — about seeing what a small recurring habit costs in opportunity, so you can decide consciously rather than by default.
🪜 Liquidity Ladder
Where should this money sit?
FY 2025-26 deadline: 31 March 2026 for 80C/80D investments | ITR filing: 31 July 2026 | Advance tax: Jun 15 · Sep 15 · Dec 15 · Mar 15
80C Investment Tracker
Limit: ₹1,50,000 (Old Regime only)Other Deductions
Key Tax Dates — FY 2025-26
| Event | Due Date | Applicable To | Penalty |
|---|---|---|---|
| Advance Tax Q1 | 15 June 2025 | If tax > ₹10,000 | 1%/mo under 234C |
| Advance Tax Q2 | 15 September 2025 | 45% cumulative | 1%/mo under 234C |
| Advance Tax Q3 | 15 December 2025 | 75% cumulative | 1%/mo under 234C |
| Advance Tax Q4 / Full | 15 March 2026 | 100% | 44ADA: full in one shot | 1%/mo under 234B |
| 80C/80D Investment Deadline | 31 March 2026 | Old regime only | Deduction lost |
| ITR Filing (Salaried) | 31 July 2026 | Non-audit cases | ₹5,000 late fee |
| ITR-3 / ITR-4 (Freelancers) | 31 August 2026 | Presumptive scheme | ₹5,000 late fee |
Based on Indian income benchmarks for salaried MBA graduates and early-career professionals. Benchmarks from SEBI investor data and industry compensation studies.
Your Profile
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Where you should be vs where you areAdd Net Worth Snapshot
Growth Summary
Net Worth History
| Month | Assets | Liabilities | Net Worth | Change | Notes |
|---|