# PlanMyReturns

> Smart Tools for Smarter Finances


## Posts

- [Weekly Credit Score Updates (Jan 2026): The New "7-Day" Hack to Lower Your Home Loan EMI](https://planmyreturns.com/weekly-credit-score-updates-jan-2026-the-new-7-day-hack-to-lower-your-home-loan-emi/): Starting January 1, 2026, the RBI has changed the game. You no longer have to wait 30 to 45 days for your credit score to […]
- [Income Tax Is Simpler Now, but Many Middle-Income Earners Are Still Overpaying](https://planmyreturns.com/income-tax-is-simpler-now-but-many-middle-income-earners-are-still-overpaying/): Income tax rules are easier to understand today than they were a few years ago. Slabs are clearer, exemptions are fewer, and filing feels less […]
- [Fixed Deposit Rates vs Inflation: Are Savers Still Losing Money?](https://planmyreturns.com/fixed-deposit-rates-vs-inflation-are-savers-still-losing-money/): A data-based look at whether fixed deposit rates in India are keeping up with inflation in 2026. Covers current FD rates across major banks, where […]
- [Emergency Funds Explained: How Much You Really Need and Why](https://planmyreturns.com/emergency-funds-explained-how-much-you-really-need-and-why/): An emergency fund is one of the most important parts of personal finance, yet it’s often ignored until a crisis hits. Many people invest regularly, […]
- [Your First Salary: The Complete Money Plan Every New Professional Needs](https://planmyreturns.com/your-first-salary-complete-money-plan/): Your First Salary: The Complete Money Plan Every New Professional Needs is designed to help new professionals understand their income, build a strong financial foundation, […]
- [New Labour Codes 2025 Explained: How India’s Wage, Social Security and Workplace Rules Just Changed](https://planmyreturns.com/labour-codes-2025-explained/): Labour Codes 2025 came into effect on November 21, reshaping how more than 50 crore Indians work, earn and plan their financial future. India has […]
- [Massive NPS Rule Changes Coming in Oct 2025 - How Your Retirement Plan Will Change](https://planmyreturns.com/massive-nps-rule-changes-coming-in-oct-2025-how-your-retirement-plan-will-change/): Starting October 1, 2025, the National Pension System (NPS) will undergo its most significant reforms yet. Key changes include: These updates make NPS more flexible, […]
- [EPF Unlocked: Your Ultimate Guide to Provident Fund Savings & Growth in India (FY 2024-25)](https://planmyreturns.com/epf-unlocked-your-ultimate-guide-to-provident-fund-savings-growth-in-india-fy-2024-25/): For millions of salaried individuals in India, the Employee Provident Fund (EPF) is a cornerstone of their long-term savings. When I first started my career, […]
- [NPS Unlocked: Your Smart Guide to the National Pension System & Retirement Security in India (FY 2025-26)](https://planmyreturns.com/nps-unlocked-your-smart-guide-to-the-national-pension-system-retirement-security-in-india-fy-2025-26/): When I first began my financial planning journey, the National Pension System (NPS) seemed like just another option among many. However, as I delved deeper, […]
- [Simplify Your Tax Filing: Your Guide to Using an Income Tax Calculator for FY 2024-25](https://planmyreturns.com/simplify-your-tax-filing-your-guide-to-using-an-income-tax-calculator-for-fy-2024-25/): As the financial year draws to a close, the task of calculating and filing income tax returns looms large for many. Understanding your tax liability […]
- [Finfluencers Unfiltered: Your Smart Guide to Financial Advice in India (2025-26)](https://planmyreturns.com/finfluencers-unfiltered-your-smart-guide-to-financial-advice-in-india-2025-26/): In today’s digital age, financial advice is no longer confined to traditional advisors. A new wave of “finfluencers” – financial influencers on social media platforms […]
- [Retirement Planning Unlocked: Your Ultimate Blueprint to Financial Freedom & Lifelong Security](https://planmyreturns.com/retirement-planning-unlocked-your-ultimate-blueprint-to-financial-freedom-lifelong-security/): Thinking about retirement? It might seem far off, but planning today is the key to a future where you can relax and enjoy life without […]
- [The Hidden Influence of Your Environment on Your Financial Decisions](https://planmyreturns.com/the-hidden-influence-of-your-environment-on-your-financial-decisions/): When managing money, it is easy to think of finances as a purely logical process involving numbers and calculations. However, your surroundings, both physical and […]
- [NSE Shares in Demat, Nifty Reclaims 23,446, Crude Below $100: PMR Pulse 23 September 2026](https://planmyreturns.com/pmr-pulse-23-september-2026/): MARKET SNAPSHOT SENSEX: 74,828.25 (+0.40%) NIFTY 50: 23,446.80 (+0.50%) BANK NIFTY: 56,548.90 (+0.59%) GOLD (10g): Rs 1,50,850 (-0.23%) SILVER (1kg): Rs 2,37,100 (-0.46%) BRENT CRUDE: $99.50 (-1.29%) USD/INR: 95.81 (+0.21%) SENSEX: 74,828.25 (+0.40%) NIFTY 50: 23,446.80 (+0.50%) BANK NIFTY: 56,548.90 (+0.59%) GOLD (10g): Rs 1,50,850 (-0.23%) SILVER (1kg): Rs 2,37,100 (-0.46%) BRENT CRUDE: $99.50 (-1.29%) USD/INR: 95.81 (+0.21%) Primary Market Milestone: NSE IPO Shares Credited to Demat; Listing Tomorrow Energy Easing: Brent Crude Breaks Below $100 as US & Iran Hold Talks Market Rebound: Nifty Gains 118 Pts to 23,447; Financials & Metals Lead Today’s Overview: The Nifty 50 advanced 117.80 […]
- [NSE IPO Allotment Out, Sensex Dips 330 Pts, Oil at $100: PMR Pulse 22 September 2026](https://planmyreturns.com/pmr-pulse-22-september-2026/): Sensex dropped 330 points to 74,529.08 on 22 September 2026 as IT stocks fell. The NSE IPO basis of allotment was finalized, while crude dropped to $100 on Gulf diplomatic talks.
- [NSE IPO Booked 5.7x, Sensex Surges 564 Pts, Trump Signs Tariff Law: PMR Pulse 21 September 2026](https://planmyreturns.com/pmr-pulse-21-september-2026/): Sensex surged 564 points to 74,858.99 as the NSE IPO closed with 5.68 times subscription on 21 September 2026. SEBI barred Kore Digital, while Trump signed Russian oil tariff sanctions.
- [Got Your First Paycheck? Here Is Your Step-by-Step Game Plan](https://planmyreturns.com/first-salary-financial-guide-freshers/): Seeing your first paycheck feels great, but early financial decisions compound across decades. Sit down with PlanMyReturns to decode your salary slip, pick the right tax regime, build an emergency buffer, and automate your first index investments.
- [Moody's Hikes GDP to 7%, SEBI Busts F&O Scam, OneTag FASTag Live: PMR Pulse 18 September 2026](https://planmyreturns.com/pmr-pulse-18-september-2026/): Moody's raised India's GDP forecast to 7% on 18 September 2026. Nifty climbed to 23,346, SEBI impounded Rs 28 crore in stock fraud, and NHAI introduced OneTag FASTag portability
- [NSE IPO Day 1 Booked 42%, Nifty Reclaims 23,270, Oil Cools: PMR Pulse 17 September 2026](https://planmyreturns.com/pmr-pulse-17-september-2026/): Nifty climbed 53 points to 23,270.60 and Sensex ended flat at 74,314.59 on 17 September 2026. The NSE IPO saw 42% subscription on Day 1, while Brent crude dropped to $103.
- [Sensex Rises 333 Pts, Nifty Above 23,200, NSE Mega IPO Opens: PMR Pulse 16 September 2026](https://planmyreturns.com/pmr-pulse-16-september-2026/): Sensex rose 332.63 points to 74,336.45 and Nifty reclaimed 23,217.60 on 16 September 2026. SBI and insurers led gains, while the NSE opened anchor bids for its $2.3 billion public issue.
- [Sensex Falls 778 Pts, Oil Touches $108, Nifty at 23,118: PMR Pulse 15 September 2026](https://planmyreturns.com/pmr-pulse-15-september-2026/): Sensex dropped 777.94 points to 74,003.82 and Nifty hit 23,118.60 on 15 September 2026 as crude oil touched $108. IT stocks rose, while auto and bank shares fell.
- [NPS vs NPS Sanchay: Which Retirement Option Fits You?](https://planmyreturns.com/nps-vs-nps-sanchay/): PFRDA introduced NPS Sanchay to give informal sector workers a simple pension plan without portfolio choices. Learn how its fixed government pattern compares against regular NPS equity choices, and calculate your projected retirement payout.
- [SSY vs PPF for Your Daughter: Which One Builds More Wealth?](https://planmyreturns.com/ssy-vs-ppf-daughter-future/): Sukanya Samriddhi Yojana offers 8.2% interest while Public Provident Fund offers 7.1%. Learn how the interest gap, lock-in terms, and account control rules affect your daughter's future fund, and calculate your exact returns.
- [Sensex Pares Losses, Bank Nifty Gains 135 Pts, Oil at $101: PMR Pulse 11 September 2026](https://planmyreturns.com/pmr-pulse-11-september-2026/): Sensex fell 120.83 points to 74,781.76 and Nifty closed at 23,398.10 on 11 September 2026. Morning oil spikes triggered selling, but HDFC Bank helped pare losses by close.
- [SIP Inflows Hit Record Rs 32,297 Cr, Sensex Rallies 138 Pts: PMR Pulse 10 September 2026](https://planmyreturns.com/pmr-pulse-10-september-2026/): Sensex gained 138.36 points to 74,902.59 and Nifty settled at 23,477.80 on 10 September 2026. AMFI reported record SIP inflows of Rs 32,297 crore, while oil held $100.
- [Brent Crude Crosses $100, Sensex Drops 813 Pts, Nifty at 23,731: PMR Pulse 9 September 2026](https://planmyreturns.com/pmr-pulse-9-september-2026/): The Sensex dropped 813.35 points to 74,764.23 and Nifty closed at 23,731.50 on 9 September 2026 as Brent crude topped $100. IT and banks fell, while energy stocks gained.
- [Sensex Falls 555 Pts, Nifty Drops to 23,635, Oil Holds $98: PMR Pulse 8 September 2026](https://planmyreturns.com/pmr-pulse-8-september-2026/): The Sensex fell 555.23 points to 75,577.58 and Nifty dropped to 23,635.10 on 8 September 2026. ICICI Bank and SBI Life led losses, while BEL and crude oil gained.
- [NSE Pre-Open Rules Change, LIC Gets ICICI Stake Nod, Sensex Down 383 Pts: PMR Pulse 7 September 2026](https://planmyreturns.com/pmr-pulse-7-september-2026/): The Sensex fell 382.62 points to 76,132.81 and Nifty closed at 23,779.15 on 7 September 2026. NSE started new pre-open rules, LIC received RBI approval for ICICI Bank, and crude topped $97.
- [UPS vs NPS: Which Pension Scheme Is Better for You in 2026?](https://planmyreturns.com/ups-vs-nps-which-pension-scheme-is-better/): Central government employees face a major choice: lock in an assured 50% monthly pension with Dearness Relief under UPS or remain invested in market-linked NPS. Here is the complete breakdown with real numbers and a free comparison calculator.
- [Sensex Jumps 363 Pts, Snaps 4-Day Fall as Insurers & Metals Rally: PMR Pulse 4 September 2026](https://planmyreturns.com/pmr-pulse-4-september-2026/): Indian stock markets snapped a four-day slide on 4 September 2026 as Sensex gained 362.57 points to 76,515.43 and Nifty reached 23,897.70. SBI Life, HDFC Life, and metals led gains.
- [Services PMI Rises to 54.1, Bank Nifty Up 208 Pts, Sensex Dips 417 Pts: PMR Pulse 3 September 2026](https://planmyreturns.com/pmr-pulse-3-september-2026/): Indian stock markets ended mixed on 3 September 2026 as Bank Nifty gained 208 points while Sensex fell 417 points amid IT and FMCG selling. India's Services PMI rose to 54.1.
- [Stock Market Today: Sensex Falls 374 Pts to 76,570, Nifty Below 24,000 as Oil Spikes: PMR Pulse 2 September 2026](https://planmyreturns.com/pmr-pulse-2-september-2026/): Indian stock markets fell on 2 September 2026 as the Sensex dropped 373.93 points to 76,570.35 while Nifty closed below 24,000 at 23,914.45. Surging crude oil past $94 weighed on auto and IT.
- [August GST Hits Rs 1.99 Lakh Cr, Tata Motors PV Surges 56%, Nifty at 24,056: PMR Pulse 1 September 2026](https://planmyreturns.com/pmr-pulse-1-september-2026/): India's August GST revenue rose 14.8% to Rs 1.99 lakh crore and Tata Motors PV sales surged 56% on 1 September 2026. Nifty held 24,056 as auto gains balanced banks.
- [FDs to Mutual Funds: Why Indian Households Are Shifting Their Money in 2026](https://planmyreturns.com/fd-to-mutual-funds-why-indians-are-shifting-money/): FD rates have fallen while SIP inflows hit record highs. Here's the real data behind the shift, a fair look at when FDs still win, and a free calculator to compare both.
- [India Q1 GDP Jumps 7.80%, Bank Nifty Tops 58,000, Fiscal Deficit at 26.8%: PMR Pulse 31 August 2026](https://planmyreturns.com/pmr-pulse-31-august-2026/): India's Q1 GDP growth accelerated to 7.80% and the fiscal deficit narrowed to 26.80% on 31 August 2026. Bank Nifty crossed the 58,000 milestone as services production expanded.
- [Stock Market Today: Sensex Surges 331 Pts to 77,265, Nifty Reclaims 24,175 as IT Stocks Rally: PMR Pulse 28 August 2026](https://planmyreturns.com/pmr-pulse-28-august-2026/): Indian stock markets closed higher on 28 August 2026 as the Sensex surged 330.92 points to 77,264.51 while Nifty reclaimed 24,175.65. Global AI tailwinds and IT stock rally led gains.
- [Stock Market Today: Sensex Falls 539 Pts to 76,934, Nifty Below 24,100 on F&O Expiry: PMR Pulse 27 August 2026](https://planmyreturns.com/pmr-pulse-27-august-2026/): Indian stock markets closed lower on 27 August 2026 as the Sensex dropped 539.35 points to 76,933.59 while Nifty settled at 24,090.85. Monthly F&O expiry rollovers weighed on indices.
- [Stock Market Today: Sensex Falls 183 Pts to 77,473, Bank Nifty Surges 270 Pts to 57,784: PMR Pulse 26 August 2026](https://planmyreturns.com/pmr-pulse-26-august-2026/): Indian stock markets closed lower on 26 August 2026 as the Sensex fell 183.15 points to 77,472.94 while Bank Nifty surged 270 points. IT selling weighed as crude plunged 5%.
- [Stock Market Today: Sensex Surges 287 Pts to 77,656, Nifty Reclaims 24,335 as Pharma Rallies: PMR Pulse 25 August 2026](https://planmyreturns.com/pmr-pulse-25-august-2026/): Indian stock markets closed higher on 25 August 2026 as the Sensex rose 286.98 points to 77,656.09 while Nifty reclaimed 24,334.55. Easing crude oil and pharma gains led the rebound.
- [Stock Market Today: Sensex Falls 172 Pts to 77,369, Nifty at 24,219 as Metals Rally: PMR Pulse 24 August 2026](https://planmyreturns.com/pmr-pulse-24-august-2026/): Indian stock markets ended slightly lower on 24 August 2026 as the Sensex fell 171.72 points to 77,369.11 while Nifty closed at 24,219.05. Metal stocks rallied as crude oil topped $94.
- [Stock Market Today: Sensex & Nifty Settle Flat, Bank Nifty Rallies 266 Pts: PMR Pulse 21 August 2026](https://planmyreturns.com/pmr-pulse-21-august-2026/): Indian stock markets closed flat on 21 August 2026 as the Sensex ended at 77,540.83 while Nifty closed at 24,252.00. Bank Nifty gained 266 points and Welspun soared 13%.
- [Stock Market Today: Sensex Surges 628 Pts to 77,538, Nifty Reclaims 24,232 as Bond Yields Ease: PMR Pulse 20 August 2026](https://planmyreturns.com/pmr-pulse-20-august-2026/): Indian stock markets surged on 20 August 2026 as the Sensex jumped 628.04 points to 77,537.72 while Nifty reclaimed 24,231.85. Easing US bond yields and IT-financials rally led gains.
- [tock Market Today: Sensex Falls 326 Pts to 76,910, Nifty at 24,078 as Crude Tops $92: PMR Pulse 19 August 2026](https://planmyreturns.com/pmr-pulse-19-august-2026/): Indian stock markets ended lower on 19 August 2026 as the Sensex dropped 325.78 points to 76,909.68 while Nifty settled at 24,078.30. Rising crude oil past $92 and energy selling weighed on indices.
- [Stock Market Today: Sensex Tanks 493 Pts to 77,235, Nifty at 24,155 as Crude Tops $91: PMR Pulse 18 August 2026](https://planmyreturns.com/pmr-pulse-18-august-2026/): Indian stock markets closed lower on 18 August 2026 as the Sensex dropped 492.70 points to 77,235.46 while Nifty settled at 24,154.90. Rising crude oil and IT selling weighed on sentiment.
- [Stock Market Today: Sensex Falls 281 Pts to 77,728, Nifty at 24,288 as IT Stocks Drag: PMR Pulse 17 August 2026](https://planmyreturns.com/pmr-pulse-17-august-2026/): Indian stock markets ended lower on 17 August 2026 as the Sensex fell 281.09 points to 77,728.16 while Nifty closed at 24,287.65. IT stock selloff and rising crude oil weighed on sentiment.
- [Stock Market Today: Sensex Falls 71 Pts to 78,009, Nifty at 24,366 as WPI Eases: PMR Pulse 14 August 2026](https://planmyreturns.com/pmr-pulse-14-august-2026/): Indian stock markets ended flat on 14 August 2026 as the Sensex dipped 70.71 points to 78,009.25 while Nifty closed at 24,366.00. July WPI inflation moderated to 9.78%.
- [Stock Market Today: Sensex Rebounds 114 Pts to 78,080, Nifty at 24,396 as FMCG Gains: PMR Pulse 13 August 2026](https://planmyreturns.com/pmr-pulse-13-august-2026/): Indian stock markets ended mixed on 13 August 2026 as the Sensex climbed 113.61 points to 78,079.96 while Nifty closed at 24,395.85. FMCG gains and DII buying supported sentiment.
- [Stock Market Today: Sensex Falls 188 Pts to 77,966, Nifty at 24,436 as Bank Nifty Surges: PMR Pulse 12 August 2026](https://planmyreturns.com/pmr-pulse-12-august-2026/): Indian stock markets ended slightly lower on 12 August 2026 as the Sensex fell 187.90 points to 77,966.35 while Nifty closed at 24,435.95. Banking rally and July CPI 4.45% supported sentiment.
- [Stock Market Today: Sensex Drops 388 Pts, Nifty Below 24,500 as Oil Spikes](https://planmyreturns.com/pmr-pulse-11-august-2026/): Indian stock markets closed lower on August 11, 2026, as the Sensex fell 388 pts to 78,154 while Nifty settled at 24,472. Brent crude oil spikes to $87.67 weighed on market sentiment.
- [Stock Market Today: Sensex Up 43 Pts, Nifty at 24,584 as Titan Rallies](https://planmyreturns.com/pmr-pulse-10-august-2026/): Indian stock markets ended on a flat note on August 10, 2026, as the Sensex climbed 43 pts to 78,542 while Nifty settled at 24,584. Titan Q1 results supported sentiment.
- [Net Worth Tracking: Common Mistakes Indians Make (And How to Fix Them)](https://planmyreturns.com/net-worth-tracking-common-mistakes-indians-make/): Most people get their net worth wrong without realizing it. Here are the 6 mistakes that quietly inflate or deflate your real number, plus a free calculator to check yours properly.
- [ Stock Market Today: Sensex Falls 456 Pts to 78,499, Nifty at 24,571 as Financials Drag: PMR Pulse 7 August 2026](https://planmyreturns.com/pmr-pulse-7-august-2026/): Indian stock markets ended lower on 7 August 2026 as the Sensex fell 455.59 points to 78,499.17 while Nifty closed at 24,570.65. Banking sell-off and rebounding crude oil weighed on sentiment. 
- [PPF vs EPF vs NPS: Which Builds Bigger Corpus](https://planmyreturns.com/ppf-vs-epf-vs-nps-which-builds-bigger-corpus/): Compare PPF, EPF and NPS in plain language. Current rates, real example, free calculator to see which builds you the biggest retirement corpus.
- [Stock Market Today: Sensex Climbs 374 Pts to 78,955, Nifty at 24,636 as Reliance & Defense Rally: PMR Pulse 6 August 2026](https://planmyreturns.com/pmr-pulse-6-august-2026/): Indian stock markets ended higher on 6 August 2026 as the Sensex climbed 373.76 points to 78,954.76 while Nifty settled at 24,636.00. Easing crude oil and strong defense orders supported sentiment.
- [Stock Market Today: Sensex Gains 152 Pts, Nifty Flat as RBI Holds Rates: PMR Pulse 5 August 2026](https://planmyreturns.com/pmr-pulse-5-august-2026/): Sensex rose 152 pts to 78,581 & Nifty closed flat at 24,624 on 5 Aug 2026 as RBI held rates at 5.25% & crude fell below $80. Read PMR Pulse.
- [Stock Market Today: Sensex Falls 210 Points, Nifty at 24,615 as Rally Ends](https://planmyreturns.com/pmr-pulse-4-august-2026/): Stock market today: Sensex fell 210 points to 78,428 and Nifty to 24,615 on August 4, 2026 as a new closing auction and LIC stake sale weighed before the RBI. 
- [Stock Market Today: Sensex Jumps 544 Points, Nifty at 24,774 as Oil Crashes](https://planmyreturns.com/pmr-pulse-3-august-2026/): Sensex jumped 544 points to 78,639 and Nifty surged 1.6% to 24,774 on August 3, 2026 as crude oil crashed. PMR Pulse explains the rally
- [Stock Market Today: Sensex Rises 166 Points, Nifty at 24,384 as Bajaj Twins Lead](https://planmyreturns.com/pmr-pulse-30-july-2026-2/): Stock market today: Sensex rose 166 points to 78,094 and Nifty to 24,384 on July 31, 2026 as the Bajaj twins jumped while IT stocks fell. PMR Pulse explains.
- [Home Loan Prepayment vs SIP Investment: What Wins](https://planmyreturns.com/home-loan-prepayment-vs-sip-investment/): Should you prepay your home loan or invest in SIP? Compare guaranteed savings vs market growth. Real example, free calculator inside.
- [Stock Market Today: Sensex Ends 274 Points Higher, Nifty at 24,317 as Auto Shines](https://planmyreturns.com/pmr-pulse-30-july-2026/): Stock market today: Sensex rose 274 points to 77,928 and Nifty to 24,317 on July 30, 2026, led by auto and oil & gas after the US Fed held rates steady.
- [Sensex Jumps 889 Points, Nifty Reclaims 24,250: PMR Pulse for 29 July 2026](https://planmyreturns.com/pmr-pulse-29-july-2026/): Why did the Sensex jump 889 points on 29 July 2026? Strong 7.3% IIP data, falling oil and IT buying lifted Nifty to 24,250. PMR Pulse breaks it down for you.
- [Why Sensex, Nifty Ended Flat as IT Soared 3% | PMR Pulse](https://planmyreturns.com/pmr-pulse-28-july-2026/): MARKET SNAPSHOT SENSEX: 76,765.92 (-0.09%) NIFTY 50: 23,985.35 (-0.04%) BANK NIFTY: 56,755.60 (-0.58%) GOLD (10g): Rs 1,42,700 (lower) SILVER (1kg): Rs 2,33,000 (lower) BRENT CRUDE: $89.17 (-1.3%) USD/INR: 95.91 (rupee firm) BITCOIN: $63,900 (lower) SENSEX: 76,765.92 (-0.09%) NIFTY 50: 23,985.35 (-0.04%) BANK NIFTY: 56,755.60 (-0.58%) GOLD (10g): Rs 1,42,700 (lower) SILVER (1kg): Rs 2,33,000 (lower) BRENT CRUDE: $89.17 (-1.3%) USD/INR: 95.91 (rupee firm) BITCOIN: $63,900 (lower) Market Mood: Flat, Consolidating Top Focus: IT Soars 3% on a Brokerage Upgrade Trending: HUL Crash, Oil at $89, Fed Watch Today’s Overview: After Monday’s 776-point Sensex surge, markets paused. The Sensex slipped 70 points […]
- [Sensex Nifty Rebound as Oil Crashes 9% | PMR Pulse](https://planmyreturns.com/pmr-pulse-27-july-2026/): Sensex Nifty rebound: Sensex jumped 776 to 76,836 and Nifty neared 24,000 on 27 July as oil crashed about 9% and IDFC First Bank posted a record Q1 profit.
- [Sensex Nifty Today: 5th Fall as Oil Tops $100 | PMR Pulse](https://planmyreturns.com/pmr-pulse-24-july-2026/): Sensex Nifty today fell a fifth straight day to 76,060 and 23,767 as Brent crude topped $100 then slumped, and banks bucked the trend. PMR Pulse explains it.
- [SIP Smart: Your Step-by-Step Guide to Growing Wealth with Systematic Investment Plans](https://planmyreturns.com/sip-smart-your-step-by-step-guide-to-growing-wealth-with-systematic-investment-plans/): A complete step-by-step guide to Systematic Investment Plans in India. Covers how SIPs work, the different types of SIPs, how to start one, SIP vs lump sum, and how SIP redemptions are taxed under the FIFO method for FY 2026-27. Key Facts at a Glance Minimum SIP Amount ₹100 – ₹500 / month Equity LTCG Rate 12.5% above ₹1.25L Equity STCG Rate 20% (held ≤ 12 months) Redemption Method FIFO, instalment-wise ELSS Lock-in 3 years per instalment Debt Fund Taxation Slab rate (post-Apr 2023 units) A Systematic Investment Plan is the closest thing personal finance has to a habit-forming tool. Instead […]
- [Sensex Nifty Today: 4th Day Down as Oil Tops $98 | PMR Pulse](https://planmyreturns.com/pmr-pulse-23-july-2026/): Sensex Nifty today fell a fourth day: Sensex -364 to 76,391, Nifty below 24,000 as Brent oil topped $98 and the Rupee hit a record low. PMR Pulse explains.
- [SIP vs Lump Sum Investing During Uncertain Markets: What Smart Investors Learn From History](https://planmyreturns.com/sip-vs-lump-sum-investing-during-uncertain-markets-what-smart-investors-learn-from-history/): A practical comparison of SIP and lump sum investing when markets feel uncertain. Covers what history actually shows across bull and bear cycles, how rupee cost averaging works, the behavioral risks of trying to time a lump sum, and a decision framework for choosing between the two. Key Facts at a Glance Best For Rising Markets Lump Sum Best For Volatile Markets SIP Core Mechanism (SIP) Rupee Cost Averaging Middle-Ground Option STP (Systematic Transfer Plan) Minimum SIP Amount As low as ₹100-500/month Biggest Risk (Lump Sum) Poor timing of entry Every time markets swing sharply, the same question resurfaces: should you […]
- [Asset Allocation Explained Simply: Why Balance Matters More Than Returns](https://planmyreturns.com/asset-allocation-explained-simply-why-balance-matters-more-than-returns/): A simple guide to asset allocation for Indian investors. Learn how equity, debt, and gold work together, what the age-based rule of thumb actually means, how rebalancing protects your plan, and why chasing the single best return usually backfires over the long run. Key Facts at a Glance Core Idea Diversify to manage risk, not chase returns Common Rule of Thumb 100 minus age = equity % Typical Asset Classes Equity, Debt, Gold, Cash Rebalancing Frequency Annually, or on 5-10% drift Typical Gold Allocation 5% to 10% What It Improves Volatility, not necessarily returns Most investors spend their energy picking the […]
- [Sensex Nifty Today: 715-pt Fall as Oil Tops $91 | PMR Pulse](https://planmyreturns.com/pmr-pulse-22-july-2026/): Sensex Nifty today: Sensex sank 715 points to 76,755 and Nifty slipped below 24,000 as oil topped $91 and the Rupee hit a record 96.57. PMR Pulse explains.
- [PMJJBY Life Insurance: ₹2 Lakh Cover for ₹436 – Everything You Must Know](https://planmyreturns.com/pmjjby-life-insurance-2-lakh-cover-for-436-everything-you-must-know/): A complete guide to Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in 2026: who can enrol, the ₹436 annual premium, the ₹2 lakh cover, the 30-day lien period, exclusions, rejoining rules, and exactly how a nominee claims the payout. Key Facts at a Glance Life Cover ₹2,00,000 Annual Premium ₹436 Entry Age 18 to 50 years Cover Renewable Up To 55 years Policy Year 1 June to 31 May Lien Period 30 days (non-accidental death) PMJJBY is the closest thing India has to a near-universal, no-questions-asked term life cover. For a premium that costs less than a single restaurant meal, it […]
- [Sensex Nifty Today: Fall Again as Oil Nears $90 | PMR Pulse](https://planmyreturns.com/pmr-pulse-21-july-2026/): Sensex Nifty today fell for a second day to 77,470 and 24,188 as Brent oil neared $90, HDFC Bank dropped 2% and the Rupee slid near 96.50. PMR Pulse, simply.
- [Sensex Nifty Today: Bank Selloff Drags 443 Pts | 20 July](https://planmyreturns.com/pmr-pulse-20-july-2026/): Markets fell. The Sensex dropped 443 points (-0.57%) to 77,708 and the Nifty slipped to 24,238 as HDFC Bank and Axis Bank tumbled about 5% after their Q1 results disappointed on margins.
- [SIP vs ULIP: Which is the Better Investment Option for You](https://planmyreturns.com/sip-vs-ulip-which-is-the-better-investment-option-for-you/): A complete comparison of SIP mutual fund investing and ULIP for 2026. Covers charges, lock-in, liquidity, insurance cover, fund switching, and taxation, so you can decide which one actually fits your goal: pure wealth creation or a combined insurance-investment product. Key Facts at a Glance Lock-in Period SIP: None | ULIP: 5 years Insurance Cover SIP: No | ULIP: Yes Typical Annual Cost SIP: ~0.5-1% | ULIP: 1.5-3%+ (early years) Fund Switching Tax SIP: Taxable | ULIP: Tax-free LTCG Exemption ₹1.25 lakh/year, 12.5% beyond ULIP Tax-Free Premium Cap ₹2.5 lakh/year SIP and ULIP both let you invest in the market in […]
- [Sensex Nifty Today: 964-Point Rally, Banks Lead | PMR Pulse](https://planmyreturns.com/pmr-pulse-17-july-2026/): Markets rallied hard. The Sensex jumped +964.58 points (+1.25%) to 78,151.45 and the Nifty 50 rose +261.55 points (+1.09%) to 24,334.30. Private banks, IT and autos led the charge, helped by strong earnings and gains in Reliance ahead of its results
- [PMR Pulse: Markets Flat, Rupee Near 96.33 | 16 July 2026](https://planmyreturns.com/pmr-pulse-16-july-2026/): Markets ended flat. The Nifty 50 slipped 5.75 points (-0.02%) and the Sensex was almost unchanged, up 1.44 points. A rebound in IT stocks like HCL Tech and Wipro offset weak financials, banks and realty. 
- [PPF vs NPS: Which Investment is Right for You?](https://planmyreturns.com/ppf-vs-nps-which-investment-is-right-for-you/): A complete comparison of PPF and NPS for FY 2026-27. Covers current interest rates and expected returns, Section 80C and 80CCD tax benefits under both regimes, lock-in and withdrawal rules, and a practical way to decide which one, or what mix of both, fits your goals. What’s current for 2026: PPF continues at 7.1% per annum for FY 2026-27, unchanged since April 2020. NPS has seen real rule changes recently: employer contributions under Section 80CCD(2) now go up to 14% of basic salary plus DA for private sector employees under the new regime, and PFRDA revised exit norms in December 2025 […]
- [PMR Pulse: Sensex Gains 130 Pts, Financials Offset IT Weakness | 15 July 2026](https://planmyreturns.com/pmr-pulse-15-july-2026/): Benchmark indices surrendered most of their strong morning gains on Wednesday as investors booked profits at higher levels. Early euphoria from softer-than-expected US retail inflation data, which initially sent the Sensex up by over 590 points,
- [PMR Pulse: Rupee Slides Past 96, Sensex Falls on Iran Crisis | 14 July 2026](https://planmyreturns.com/pmr-pulse-14-july-2026/): Equity benchmarks turned sharply lower on Tuesday as international sentiment soured overnight. Fresh military developments between the United States and Iran escalated geopolitical risk in West Asia, sending Brent crude oil spiking up +1.63% to nearly $84.60 a barrel. 
- [PMR Pulse: Sensex, Nifty Flat as IT Stocks Offset Metal Losses | 13 July 2026](https://planmyreturns.com/pmr-pulse-13-july-2026/): Asian markets painted a mixed picture this morning following a relatively flat Friday close on Wall Street, where cooling inflation data revived hopes for imminent rate cuts.
- [How to File TDS Return Online: Step-by-Step Guide](https://planmyreturns.com/how-to-file-tds-return-online/): A complete step-by-step guide to filing your TDS return online in India. Covers TDS return forms, due dates, TRACES and TIN-NSDL portal filing
- [PMR Pulse: Markets Rally, Sensex Surges Over 800 Points | 10 July 2026](https://planmyreturns.com/pmr-pulse-10-july-2026/):  Indian benchmark indices ended sharply higher today, driven by broad-based buying across IT, Realty, Metal, Financial Services, and Energy stocks. 
- [PMR Pulse: Markets Rebound, Bank Nifty Rallies | 9 July 2026](https://planmyreturns.com/pmr-pulse-9-july-2026/): The stock market rebounded today after a heavy correction in the previous session. The recovery was aided by foreign fund inflows and supportive global cues. 
- [EPF Scheme 2026: What the New EPFO Rules Mean for Your PF, Withdrawals and Pension](https://planmyreturns.com/epf-scheme-2026-new-epfo-rules-explained/): A complete guide to the EPF Scheme 2026, the biggest overhaul of India’s provident fund system since 1952. Understand the new PF withdrawal rules, the 25% minimum balance requirement, the Rs 1,800 mandatory contribution clarification, EPS pension changes, and what every salaried employee should do now. Key Facts at a Glance Effective Date June 29, 2026 Replaces EPF Scheme, 1952 Mandatory PF Contribution ₹1,800/month (12% of ₹15,000) Minimum Balance Rule 25% must stay in account Withdrawal Categories 3 (down from 13) EPS Withdrawal Wait 36 months (was 2 months) The Government of India has notified the Employees’ Provident Fund Scheme, 2026, […]
- [Loan EMI Calculator: Home Loan vs Car Loan – Real Cost Comparison](https://planmyreturns.com/loan-emi-calculator-home-loan-vs-car-loan-real-cost-comparison/): A complete guide to Loan EMI Calculator with real cost comparison between home loan and car loan in India for FY 2026-27. Understand EMI formula, total interest paid, prepayment impact, tax benefits, and the smartest borrowing strategy for Indians. Key Facts at a Glance Home Loan Rate (2026) 8.40 to 9.50% p.a. Car Loan Rate (2026) 9.00 to 11.00% p.a. Max Home Loan Tenure 30 years Max Car Loan Tenure 7 years (new car) Home Loan Tax Benefit Up to ₹3.5 lakh/year Car Loan Tax Benefit None (personal use) An EMI calculator helps you compute the exact monthly installment, total interest, […]
- [EPF Calculator 2026: Know Your Retirement Corpus from PF](https://planmyreturns.com/epf-calculator-2026-know-your-retirement-corpus-from-pf/): A complete guide to calculating your Employees’ Provident Fund retirement corpus for FY 2026-27 with current 8.25% interest rate, contribution rules, withdrawal options, and step-by-step examples for different salary levels. Key Facts at a Glance Current EPF Rate 8.25% (FY 2025-26) Employee Contribution 12% of Basic + DA Employer Contribution 12% (3.67% to EPF) Tax Status EEE (Tax-Free) Section 80C Auto-Qualifies Lock-in Period Till Retirement (58) The EPF (Employees’ Provident Fund) is India’s largest retirement savings scheme with over 7 crore active subscribers. If you are a salaried employee in any organization with 20+ employees, 12% of your basic salary plus […]
- [FD vs Mutual Fund: Where Should You Put Your ₹10 Lakh?](https://planmyreturns.com/fd-vs-mutual-fund-where-should-you-put-your-%e2%82%b910-lakh/): If you have ₹10 lakh sitting in your bank, this guide compares Fixed Deposit vs Mutual Fund for Indian investors in 2026 — with real post-tax returns, risk levels, liquidity, and a clear winner for every investor profile. Key Facts at a Glance FD Average Rate (2026) 6.5% to 7.5% p.a. MF Average Return (10Y) 12% to 14% CAGR FD Tax Slab rate (30% max) MF Tax 12.5% LTCG above ₹1.25L FD Risk Zero (DICGC ₹5L cover) MF Risk Market-linked Should you put your ₹10 lakh in a Fixed Deposit or a Mutual Fund? This is one of the most common […]
- [Retirement Calculator India: How Much Corpus Do You Need to Retire at 50?](https://planmyreturns.com/retirement-calculator-india-how-much-corpus-do-you-need-to-retire-at-50/): A complete retirement planning guide for Indians who want to retire at 50 with financial independence. Calculate your exact corpus, monthly SIP, and asset allocation based on age, expenses, and inflation for FY 2026-27. Key Facts at a Glance Target Retirement Age 50 years Avg Corpus Needed ₹5 to ₹8 Crore Safe Withdrawal Rate 3% to 4% per year Inflation Assumption 6% per year Equity Allocation 70 to 80% (in 30s) Expected Returns 12% (equity), 7% (debt) Retiring at 50 in India is achievable. But it requires a clear corpus target, disciplined investing, and protection from inflation. The biggest mistake most […]
- [Emergency Fund Calculator: How Many Months’ Salary Do You Need?](https://planmyreturns.com/emergency-fund-calculator-how-many-months-salary-do-you-need/): A complete guide to building your emergency fund in India for 2026 with exact corpus targets by income level, the smartest places to park it, and a 12-month roadmap to financial safety. Key Facts at a Glance Standard Recommendation 6 months of expenses Minimum Buffer 3 months (stable job) Maximum Buffer 12 months (single earner) Best Place to Park Liquid mutual funds Liquid Fund Returns 2026 6 to 7% per annum Build Time (20% savings) ~2.5 years An emergency fund is the financial cushion that covers your essential expenses for 3 to 12 months when life throws you a curveball. Job […]
- [Mutual Fund SIP for Child’s Education: How Much Do You Need?](https://planmyreturns.com/mutual-fund-sip-for-childs-education-how-much-do-you-need/): A complete guide to calculating exactly how much SIP you need every month to fund your child’s higher education in India and abroad in 2026, with realistic cost projections, education inflation, and goal-based mutual fund strategy. Key Facts at a Glance Education Inflation (India) 10 to 12% per year Engineering Cost Today ₹15 to 25 lakh MBA (IIM) Cost Today ₹25 to 30 lakh MS Abroad Cost Today ₹50 lakh to 1 cr Ideal SIP Start Age Child’s birth (0-2 years) Expected MF Returns 11 to 13% CAGR To fund your child’s higher education in India by 2044, you need a […]
- [Best Large Cap Mutual Funds 2026: Top Performers for Beginners](https://planmyreturns.com/best-large-cap-mutual-funds-2026-top-performers-for-beginners/): A complete guide to the best large cap mutual funds in India for 2026, with 5-year returns, expense ratios, and beginner-friendly recommendations to help you start your equity investment journey safely. Key Facts at a Glance Category Large Cap Equity Funds Equity Allocation Min 80% in top 100 companies 10-Year Avg Return 11 to 14% CAGR Risk Level Moderately High Min SIP Amount ₹500/month Ideal Horizon 5+ years Large cap mutual funds invest at least 80% of their assets in India’s top 100 companies by market capitalization, as per SEBI categorization rules. These are the safest equity mutual funds because they […]
- [Mutual Fund Returns Calculator: CAGR, XIRR & Absolute Returns Explained](https://planmyreturns.com/mutual-fund-returns-calculator-cagr-xirr-absolute-returns-explained/): CAGR vs XIRR vs absolute return explained for Indian investors. Know which method to use for SIP, lumpsum, and short-term mutual fund investments. Real examples and Excel formulas included. Quick Reference Guide For Lumpsum Investments CAGR (annualized growth) For SIP Investments XIRR (timing-adjusted) For Short-Term (less than 1 year) Absolute Return Most Misused Metric CAGR (on SIP returns) Good Equity Fund CAGR 12 to 15% over 7-10 years Good Debt Fund CAGR 6 to 8% over 3-5 years If you have ever looked at mutual fund returns, you have seen three numbers thrown around: CAGR, XIRR, and absolute return. Most Indian […]
- [Step-Up SIP Calculator: How 10% Annual Increase Doubles Your Wealth](https://planmyreturns.com/step-up-sip-calculator-how-10-annual-increase-doubles-your-wealth/): A complete guide to Step-Up SIP for Indian investors. See how a 10% annual increase in your monthly SIP nearly doubles your final corpus over 25 years, why it beats regular SIP for salaried professionals, and how to set it up automatically. Step-Up SIP at a Glance Also Known As Top-Up SIP, Annual Step-Up SIP Recommended Step-Up 10% annually Best For Salaried investors Minimum SIP Amount ₹500/month Available On All major mutual fund platforms Wealth Difference (25 years) Almost 2x vs regular SIP A Step-Up SIP is a Systematic Investment Plan where you increase your monthly investment by a fixed percentage […]
- [SIP vs Lumpsum: Which is Better in 2026? With Calculator](https://planmyreturns.com/sip-vs-lumpsum-which-is-better-in-2026-with-calculator/): A complete data-backed comparison of SIP vs Lumpsum mutual fund investing for Indian investors in 2026. Real Nifty 50 returns, sample calculations, scenarios for different investor profiles, and the verdict on which strategy actually wins. Quick Verdict at a Glance Best for Salaried SIP Best for Big Surplus Lumpsum or STP SIP Win Rate (10 yrs) ~30 to 35% Lumpsum Win Rate (10 yrs) ~65 to 70% Risk in SIP Lower (averaged) Risk in Lumpsum Higher (timing) Most personal finance content tells you SIP is always better than lumpsum. That is a half-truth. The math actually favors lumpsum in 65 to […]
- [SIP Calculator: How Much to Invest Monthly to Become a Crorepati?](https://planmyreturns.com/sip-calculator-how-much-to-invest-monthly-to-become-a-crorepati/): The complete SIP calculator guide for Indian investors. Know exactly how much to invest monthly to build a ₹1 crore, ₹2 crore, or ₹5 crore corpus. Real scenarios with ₹5K, ₹10K, ₹15K, and ₹25K monthly SIPs over 10, 15, 20, and 25 years. Crorepati SIP at a Glance SIP for ₹1 Cr in 20 years ₹8,700/month at 12% SIP for ₹1 Cr in 25 years ₹3,100/month at 12% SIP for ₹1 Cr in 30 years ₹1,100/month at 12% Minimum SIP amount ₹500 per month Recommended return rate 12% p.a. (equity) Power of compounding kicks in After year 10 Becoming a crorepati […]
- [NPS Tax Benefits Explained: Extra ₹50,000 Deduction Under 80CCD](https://planmyreturns.com/nps-tax-benefits-explained-extra-50000-deduction-under-80ccd/): A complete guide to NPS tax benefits for FY 2026-27 including the exclusive ₹50,000 extra deduction under Section 80CCD(1B), employer contribution benefits, tax treatment at maturity, and how to save up to ₹15,600 more tax every year. NPS Tax Benefits at a Glance Section 80CCD(1), 80CCD(1B), 80CCD(2) Extra Deduction (Exclusive) ₹50,000 under 80CCD(1B) Max Extra Tax Saved ₹15,600 (30% slab) Total Possible Deduction ₹2,00,000+ per year NPS Returns (since 2009) 9 to 12% CAGR Maturity (60% lump sum) Fully tax-free The National Pension System (NPS) offers the single largest tax benefit any Indian investor can get in a year: ₹50,000 over […]
- [Best ELSS Mutual Funds 2026: Top 5 for Tax Saving SIP](https://planmyreturns.com/best-elss-mutual-funds-2026-top-5-for-tax-saving-sip/): The top ELSS mutual funds in India for 2026 based on 3-year and 5-year rolling returns, expense ratio, fund size, and risk-adjusted performance. Plus, how to pick the right ELSS fund for your goals and start a tax-saving SIP. ELSS Quick Facts 2026 Full Form Equity Linked Savings Scheme Lock-in Period 3 years (shortest in 80C) Tax Deduction Up to ₹1.5 lakh under 80C Max Tax Saved ₹46,800 (30% slab + cess) Minimum SIP ₹500 per month LTCG Tax 12.5% above ₹1.25L gains ELSS (Equity Linked Savings Scheme) is the only mutual fund category that qualifies for Section 80C tax deduction […]
- [HRA Exemption Calculation: Step-by-Step with Examples](https://planmyreturns.com/hra-exemption-calculation-step-by-step-with-examples/): A complete step-by-step guide to HRA exemption calculation in India for FY 2026-27. Learn the 3-part HRA formula, metro vs non-metro rules, rent receipt requirements, and real examples with exact tax savings numbers. Key Facts at a Glance Section 10(13A), Income Tax Act, 1961 Metro Exemption Rate 50% of basic salary Non-Metro Rate 40% of basic salary PAN Mandatory Above ₹1,00,000 annual rent Applicable Regime Old Tax Regime only Maximum Limit No absolute cap HRA (House Rent Allowance) exemption under Section 10(13A) of the Income Tax Act, 1961 allows salaried employees to reduce their taxable income by the rent they pay. […]
- [PPF Calculator 2026: How ₹1,000/month Becomes ₹18.2 Lakhs](https://planmyreturns.com/ppf-calculator-monthly-investment/): Discover how small PPF investments compound into lakhs over time. Complete PPF calculator guide for FY 2026-27 with real scenarios, maturity projections, and step-by-step walkthrough of how to use the PPF calculator. PPF Key Facts 2026 Current Interest Rate 7.1% p.a. (Q1 FY 2026-27) Lock-in Period 15 years (extendable) Minimum Investment ₹500 per year Maximum Investment ₹1,50,000 per year Tax Status EEE (fully tax-free) Compounding Annual If you invest just ₹1,000 per month in PPF for 25 years at the current 7.1% interest rate, your tax-free corpus grows to approximately ₹8.25 lakhs. Increase it to ₹5,000/month and you are looking at […]
- [Section 80C Investments 2026 - Best Tax Saving Options to Save ₹1.5 Lakh](https://planmyreturns.com/section-80c-investments-2026-best-tax-saving-options-to-save-1-5-lakh/): A complete comparison of all Section 80C investments available in India for FY 2026-27 including ELSS, PPF, NPS, SSY, Tax Saver FD, ULIP, and more with current returns, lock-in periods, and real tax savings calculations. Key Facts at a Glance Section 80C, Income Tax Act, 1961 Max Deduction ₹1,50,000 per year Max Tax Saved (30% slab) ₹46,800 (incl. cess) Applicable Regime Old Tax Regime only Shortest Lock-in 3 years (ELSS) Highest Return Potential 12 to 15% CAGR (ELSS) Section 80C of the Income Tax Act, 1961 allows Indian taxpayers to claim deductions up to ₹1,50,000 per financial year on specified investments […]
- [Old Tax Regime vs New Tax Regime Calculator: Which Saves More Tax in 2026?](https://planmyreturns.com/old-tax-regime-vs-new-tax-regime-calculator-which-saves-more-tax-in-2026/): A complete comparison of the Old and New Tax Regime for FY 2026-27 (AY 2027-28) in India. Covers slab rates, standard deduction, Section 87A rebate, which deductions survive under each regime, a break-even guide, and how to decide which one saves you more tax this year. What’s current for 2026: The Income-tax Act, 2025 came into force on 1 April 2026, replacing the 1961 Act and renumbering provisions. Budget 2026 did not change the slab rates, rebate, or standard deduction; the figures introduced in Budget 2025 for FY 2025-26 continue unchanged into FY 2026-27. The new tax regime remains the default […]
- [ITR Filing 2026-27: Complete Guide for Salaried Employees](https://planmyreturns.com/itr-filing-2026-27-complete-guide-for-salaried-employees/): A complete step-by-step guide to filing your income tax return for AY 2026-27 as a salaried employee. Covers due dates, ITR-1 vs ITR-2 eligibility, documents you need, the old vs new regime choice, common mistakes, and what to do if you miss the deadline. Which law applies this season: Even though the Income-tax Act, 2025 took effect from 1 April 2026, your return for AY 2026-27 reports income earned in FY 2025-26, so it is filed entirely under the old Income-tax Act, 1961, using the familiar ITR forms and section numbers. The new Act and its renumbered provisions apply from AY […]
- [SEBI’s New Mutual Fund Rules: Why Your Retirement and Children’s Funds Are Being Discontinued](https://planmyreturns.com/sebis-new-mutual-fund-rules-why-your-retirement-and-childrens-funds-are-being-discontinued/): For years, Indian parents and planners have poured money into mutual funds with comforting names like “Children’s Gift Fund” or “Retirement Savings Fund”. They felt safe. They felt purposeful. But under the hood, many of these funds were just standard equity or hybrid funds wrapped in emotional marketing. To clean up the industry, reduce portfolio overlap, and make investing truly “true to label”, SEBI stepped in. As of February 26, 2026, the old way of goal based mutual fund investing is officially over. Here is everything you need to know about the transition and how to handle your money moving forward. […]
- [The Gen Z Reset: Why India’s Youth Are Choosing SIPs and Fixed Deposits Over Crypto in 2026](https://planmyreturns.com/the-gen-z-reset-why-indias-youth-are-choosing-sips-and-fixed-deposits-over-crypto-in-2026/): If you are between 18 and 25 and just started earning, you are standing at a powerful financial starting line. In this guide, you will learn why many young Indians are moving away from risky trends and choosing steady investing, what the ET Snapchat Gen Z Index signals about this shift, and how to build a simple Stability First portfolio using SIPs, index funds, and fixed deposits. You will also learn the practical 7 day credit refresh habit that protects your financial future from day one. The Big Shift: From Hustle Culture to Stability The recent ET Snapchat Gen Z Index […]
- [Saral Jeevan Bima Yojana Guide, Benefits, Eligibility, Premium and Calculator](https://planmyreturns.com/saral-jeevan-bima-yojana-guide-benefits-eligibility-premium-and-calculator/): A complete guide to Saral Jeevan Bima Yojana, the IRDAI-mandated standard term insurance plan available from every life insurer in India. Covers eligibility, sum assured limits, premium factors, the death benefit formula, waiting period, exclusions, and how to estimate your premium before you buy. Key Facts at a Glance Plan Type Pure-risk term insurance Launched 1 January 2021, all insurers Entry Age 18 to 65 years Maximum Maturity Age 70 years Sum Assured Range ₹5 lakh to ₹25 lakh Policy Term 5 to 40 years Saral Jeevan Bima Yojana is the one term insurance plan where every insurer offers exactly the […]
- [RBI’s New ₹25 Lakh Collateral-Free Loan for MSEs (2026): Eligibility, Rules, and Benefits Explained](https://planmyreturns.com/rbis-new-%e2%82%b925-lakh-collateral-free-loan-for-mses-2026-eligibility-rules-and-benefits-explained/): The RBI has given a major boost to Micro and Small Enterprises by increasing the collateral-free loan limit from ₹20 lakh to ₹25 lakh. This change rewards businesses with a clean repayment history and transparent operations. In this guide, you will learn what the new rule means, who qualifies, how banks will assess your track record, and how MSEs can practically use this opportunity to access more credit without pledging assets. What RBI Announced in 2026 In its latest circular, the Reserve Bank of India allowed banks to extend collateral-free loans of up to ₹25 lakh to eligible Micro and Small […]
- [RBI's ₹25,000 Fraud Shield: How the New Compensation Rule Protects You](https://planmyreturns.com/rbi-25000-fraud-shield-how-the-new-compensation-rule-protects-you/): Digital payments have made life easier, but they have also increased the risk of fraud. In 2026, the Reserve Bank of India has taken a major step to protect customers. A new framework now proposes compensation of up to ₹25,000 for small-value fraudulent digital transactions. This guide explains what the RBI fraud compensation rule is, who can claim it, how it works, and what you should do if you lose money in a UPI or card scam. What Is the RBI ₹25,000 Fraud Compensation Rule? The Reserve Bank of India has proposed a new customer protection framework that allows compensation up […]
- [One Tax Move Indians Should Still Do Before March End](https://planmyreturns.com/one-tax-move-indians-should-still-do-before-march-end/): If March is almost over and you are worried you may have missed tax planning opportunities, this article is for you. You will learn the one tax move most Indians can still do before March 31 to legally reduce tax, lock in safe savings, and strengthen long term financial discipline. We will explain why it matters, how to do it step by step, common mistakes to avoid, and how it fits into both old and new tax regimes. The One Tax Move You Should Still Do Before March 31 Make a last minute Section 80C investment that also builds long term […]
- [The India–EU FTA: Which 5 Sectors Will Skyrocket?](https://planmyreturns.com/the-india-eu-fta-which-5-sectors-will-skyrocket/): The India–EU Free Trade Agreement is more than a headline. This article explains why markets reacted sharply, which five sectors stand to benefit the most, and how long term investors can identify real opportunities instead of chasing short term noise. Understanding the India–EU Free Trade Agreement India and the European Union have finalized a comprehensive Free Trade Agreement aimed at reducing tariffs, easing regulatory barriers, and boosting cross border investment. Together, they represent a market of over 1.8 billion people and nearly a quarter of global GDP. This deal is being called the “Engine of Global Growth” because it connects India’s […]
- [The LIC Plan 883 Launch: Should You Buy 'Jeevan Utsav Single Premium' Today?](https://planmyreturns.com/the-lic-plan-883-launch-should-you-buy-jeevan-utsav-single-premium-today/): The FD rates are falling. The “10% Guarantee” is here. Is this the ultimate retirement hack of 2026? The wait is over. Today marks the official launch of LIC’s Jeevan Utsav Single Premium (Plan 883). If you have been sitting on cash waiting for a sign, this might be it. In a world where bank FDs are struggling to beat inflation and market volatility is at an all-time high, LIC has dropped a product that sounds almost too good to be true: A Single Premium plan with a guaranteed 10% lifelong income. But is it just marketing, or is the math […]
- [Budget 2026 Preview: How the Government Plans to Give Every Woman a Credit Card](https://planmyreturns.com/budget-2026-preview-how-the-government-plans-to-give-every-woman-a-credit-card/): For millions of women in India, this has been a dream. But if the latest leaks from North Block are true, the Union Budget on February 1st, 2026, is about to make it a reality. The buzz is loud: The government is planning a massive overhaul of the Pradhan Mantri Jan Dhan Yojana (PMJDY). The goal? To move beyond just “opening accounts” to putting actual Credit Cards and Insurance in the hands of women. Here is what the “Jan Dhan 2.0” revolution could look like for you. The “Leak”: A Credit Card for Every Jan Dhan Account? Sources suggest that Finance […]
- [The ₹12.75 Lakh Rule: Why Your 2026 Investment Declaration Needs a Serious Update](https://planmyreturns.com/the-12-75-lakh-rule-why-your-2026-investment-declaration-needs-a-serious-update/): Learn why the new tax regime's ₹12.75 lakh tax-free limit changes how you should fill your FY 2026-27 investment declaration, and what Form 124 replaced.
- [7 Financial New Year Resolutions That Actually Save You Money in 2026](https://planmyreturns.com/7-financial-new-year-resolutions-that-actually-save-you-money-in-2026/): We are four days into 2026. By now, most “gym” resolutions are already shaky. But unlike fitness, where you need willpower every single day, financial resolutions often only need one good decision to pay off for the rest of the year. 2026 is starting with unique conditions: The stock market is at an all-time high (Nifty 26,000+), interest rates are starting to soften, and new tax rules are in play. If you want to end this year richer than you started, here is your Financial Health Checkup Checklist: 7 resolutions that will actually put money back in your pocket. 1. Rebalance […]
- [RBI Floating Rate Bonds 2026: Get 8.05% Interest (Safe & Govt Backed)](https://planmyreturns.com/rbi-floating-rate-bonds-2026-get-8-05-interest-safe-govt-backed/): If you’ve been watching the news this week, you know the trend: Interest rates are softening. Banks have started trimming Fixed Deposit (FD) rates, and the 10-year government bond yield has dipped below 6.6%. For conservative investors, this usually spells bad news. But yesterday, the RBI threw us a lifeline. The central bank officially confirmed that the RBI Floating Rate Savings Bond (FRSB) 2020 (Taxable) will continue to offer an impressive 8.05% interest rate for the period of January 1, 2026, to June 30, 2026. In a market where most big banks are struggling to offer 7.25% on regular FDs, an […]

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- [LIC Digi Term Plan 876 Calculator](https://planmyreturns.com/lic-digi-term-plan-876-calculator/): What Is the LIC Digi Term Plan 876 Calculator? The LIC Digi Term Plan 876 calculator is a free tool that estimates your annual premium for LIC’s online-only term insurance plan. You enter your age, gender, smoking status, cover amount, policy term and payment option. It instantly shows your indicative premium, your monthly and daily cost, and the death benefit your family would receive each year. LIC’s Digi Term Plan (Plan No. 876, UIN 512N356V02) is a non-participating, non-linked, individual, pure risk plan. It was launched in August 2024 and can be bought only on the official LIC website. Because it […]
- [Today Gold Rate](https://planmyreturns.com/gold-rate-today/): Copied! Today Gold Rate in India (24K, 22K & 18K) Check today’s gold rate in India for 24K, 22K and 18K gold, per 10 grams and per gram, updated twice daily at 11:00 AM and 5:30 PM. Pick your city to see the local rate, day change, and this month’s trend. Gold Rate in India (National Average) Loading latest rate… Indicative national rate derived from international gold and USD-INR, calibrated to Indian retail (duty + premium). Updated twice daily; excludes 3% GST and making charges; verified daily. Gold Value Calculator Gold Value Buy by Budget Weight (grams) g Purity 22K24K18K Value […]
- [Loan Against Mutual Funds Calculator](https://planmyreturns.com/loan-against-mutual-funds-calculator/): Need cash but do not want to sell your investments? A loan against mutual funds lets you borrow against the units you already hold. Your money stays invested and keeps working, while you get liquidity for a short-term need. This loan against mutual funds calculator shows your eligible loan limit, your monthly interest or EMI, total interest and total repayment, along with a year-wise schedule. Enter your portfolio value, the amount you need and an interest rate, then pick your fund type and repayment mode. The result appears instantly. Every calculation runs privately in your browser. There is no sign-up and […]
- [NPS Sanchay Calculator](https://planmyreturns.com/nps-sanchay-calculator/): What Is NPS Sanchay? (PFRDA 2026 Scheme Explained) NPS Sanchay is a simplified pension scheme introduced by the Pension Fund Regulatory and Development Authority (PFRDA) through a circular dated 6 May 2026. It is a distinct variant of the National Pension System (NPS), designed specifically to reduce complexity for India’s informal workforce, including gig workers, daily wage earners, self-employed individuals, and small traders. India’s informal sector accounts for nearly 90% of the total workforce, yet the vast majority of these workers have no formal pension coverage. NPS Sanchay addresses this gap with a pre-set, default investment structure that removes the need […]
- [Term Insurance Calculator](https://planmyreturns.com/term-insurance-calculator/): Term Insurance Calculator – How Much Cover Do You Actually Need? Choosing the right term insurance cover is one of the most important financial decisions you will make. Buy too little, and your family is exposed. Buy too much, and you pay premiums you didn’t need to. This term insurance calculator works out your ideal cover using the same logic financial planners use: income replacement, outstanding liabilities, future goals, inflation-adjusted family expenses, and your existing assets. It gives a specific number, not a generic 10x-income guess. What This Calculator Does For You What Is Term Insurance? Term insurance is a pure […]
- [Tata AIA Fortune Guarantee Supreme Calculator](https://planmyreturns.com/tata-aia-fortune-guarantee-supreme-calculator/): Use this free Tata AIA Fortune Guarantee Supreme calculator to check your guaranteed income, maturity benefit, total returns and indicative IRR before you sign anything. Enter your annual premium, age, policy term, premium payment term and income option. You get a complete year-by-year policy schedule in seconds. No login. No agent. No sales pitch. What This Tata AIA Fortune Guarantee Supreme Calculator Shows You Most calculators for this plan are built by the insurer or by aggregators who earn a commission when you buy. This calculator is built for independent decision-making. Here is exactly what it gives you. 1. Total guaranteed […]
- [Atal Pension Yojana Calculator](https://planmyreturns.com/atal-pension-yojana-calculator/): The PlanMyReturns APY Calculator tells you exactly how much you need to invest every month under the Atal Pension Yojana to receive a guaranteed pension after age 60. Enter your current age and pick a pension amount between 1,000 and 5,000 rupees, and the tool instantly calculates your monthly contribution, total lifetime investment, and the corpus your nominee will receive. All figures follow the official PFRDA contribution chart, so there is no guesswork involved. If you are also exploring other government-backed retirement options, compare this against the NPS calculator or check your UPS pension if you are a government employee. Calculator […]
- [LIC Loan Against Policy Calculator](https://planmyreturns.com/lic-loan-against-policy-calculator/): LIC Loan Against Policy Calculator – Check Eligibility, Interest & Repayment The PlanMyReturns LIC Loan Against Policy Calculator helps you estimate how much loan you can get from LIC, how much interest you will pay, and your total repayment amount, based on your policy’s surrender value. This calculator is designed for people who already hold an LIC policy and want quick liquidity without surrendering their policy. What Is a Loan Against LIC Policy? A loan against LIC policy is a facility where you can borrow money from LIC by keeping your life insurance policy as security. Instead of surrendering your policy […]
- [SBI Children’s Fund Calculator](https://planmyreturns.com/sbi-childrens-fund-calculator/): SBI Children’s Fund Calculator – Estimate SIP & Lumpsum Returns The SBI Children’s Fund Calculator helps parents estimate how much their investment can grow when planning for child education, marriage, or long-term goals. This calculator supports both SIP and lumpsum investments, shows year-wise growth, total investment, estimated returns, and final maturity value based on your chosen duration and expected return. It is built for parents who want clarity before committing money, not guesswork. What Is SBI Children’s Fund? SBI Children’s Fund is an open-ended equity-oriented mutual fund designed to help parents create long-term wealth for their children’s future needs such as: […]
- [Home Loan Overdraft Calculator](https://planmyreturns.com/home-loan-overdraft-calculator/): Home Loan Overdraft Calculator – Reduce Interest Using Smart OD Strategy The Home Loan Overdraft Calculator by PlanMyReturns helps you answer one practical question: “How much interest and time can I save if I use my home loan overdraft account smartly?” Instead of only calculating EMI, this calculator shows how parking surplus money like salary balance, SIP savings, or a lump sum inside an OD account can: This is not theory. It reflects how overdraft home loans actually work. What Is a Home Loan Overdraft (OD)? A Home Loan Overdraft is a home loan facility linked to a current or savings […]
- [EMI Calculator](https://planmyreturns.com/emi-calculator/): EMI Calculator – Calculate Loan EMI, Interest & Repayment Schedule The PlanMyReturns EMI Calculator helps you understand the true cost of a loan before you borrow. It calculates: You can also reverse-calculate the loan amount, tenure, or interest rate if you already know your EMI. What Is EMI? EMI (Equated Monthly Installment) is the fixed amount you pay every month to repay a loan.Each EMI has two parts: In the early years, EMIs are interest-heavy. Over time, the principal portion increases. Why Use an EMI Calculator Before Taking a Loan? People usually search for an EMI calculator to answer questions like: […]
- [LIC Jeevan Utsav Single Premium Calculator](https://planmyreturns.com/lic-jeevan-utsav-single-premium-calculator/): What Is the LIC Jeevan Utsav Single Premium Calculator? The LIC Jeevan Utsav Single Premium Calculator is a free online tool. It estimates the benefits of LIC Plan 883 before you buy it. You pay the premium only once. In return, the plan gives you guaranteed additions, a lifelong annual income, and whole-life cover. This calculator turns those promises into numbers. You enter your sum assured, age, and guaranteed addition period. It shows your one-time premium, total guaranteed additions, annual income for life, death or maturity benefit, and an approximate return. LIC officially launched Jeevan Utsav Single Premium (UIN 512N392V01) on […]
- [8th Pay Commission Salary Calculator](https://planmyreturns.com/8th-pay-commission-salary-calculator/): The 8th Pay Commission Salary Calculator is a specialized tool designed for Central Government employees and pensioners to estimate their revised pay structure. It allows you to project your future Basic Pay, HRA, and Pension based on expected fitment factors (ranging from 2.57 to 3.20). Simply select your current Pay Level to instantly compare your 7th CPC salary against the projected 8th CPC figures. How to Use This 8th CPC Calculator We have built this tool to be flexible, as the official government notification is still pending. Here is how to plan your finances with it: Why This Tool is Better […]
- [Calculation Methodology & Assumptions](https://planmyreturns.com/calculation-methodology-assumptions/): Calculation Methodology and Assumptions This page explains how PlanMyReturns calculators compute results and which assumptions are used. It is meant to give clarity on the logic behind the tools, so you understand how each estimate is generated and what it represents. Educational tools Transparent formulas No hidden variables Privacy-first All calculators on PlanMyReturns are educational and planning tools. They help you compare scenarios and understand possible outcomes based on the inputs you provide. They do not predict real world results and they do not guarantee any outcome. The approach is consistent across every category: clear formulas, defined assumptions, and no hidden […]
- [marginal Relief Tax Calculator](https://planmyreturns.com/marginal-relief-tax-calculator/): Marginal Relief Calculator FY 2025-26: Save Tax Above ₹7 Lakh The Marginal Relief Tax Calculator determines the tax benefit you get when your income slightly exceeds the tax-free threshold of ₹7,00,000 under the New Tax Regime. It ensures that the tax you pay does not exceed the extra income you earned. If your taxable income is between ₹7,00,001 and approx. ₹7,27,000, using this calculator is essential. Without Marginal Relief, earning just ₹100 extra could technically result in a tax bill of ₹25,000+. This tool calculates the exact relief amount under Section 87A to prevent this loss. Why This Tool is Better […]
- [Tax Saver Calculator](https://planmyreturns.com/tax-saver-calculator/): Use this last-minute tax saver calculator to quickly find out whether you still need to invest for tax saving before submitting investment proofs.In just a few inputs, you can check your 80C utilization, EPF already counted, remaining shortfall, potential tax savings, and HRA exemption if you live in a rented house. This calculator is designed for salaried employees who want clarity before the January investment proof deadline, without manual calculations or confusion. What This Calculator Helps You Do What You Can Calculate Instantly Why Most Employees Get This Wrong Common Mistakes This Calculator Prevents This tool fixes all of that in […]
- [PMAY 2.0 Subsidy Calculator](https://planmyreturns.com/pmay-2-0-subsidy-calculator/): Buying a home under the PMAY-Urban 2.0 scheme can significantly reduce your home loan burden, but only if you clearly understand eligibility rules, subsidy limits, and EMI impact. This PMAY-U 2.0 Subsidy Calculator helps you instantly check: All calculations are based on publicly available PMAY-U 2.0 guidelines and standard EMI formulas used by banks. No login. No assumptions. Just clear numbers. What This PMAY-U 2.0 Calculator Covers This calculator evaluates your eligibility and savings using four key inputs: Based on these, it determines: PMAY-U 2.0 Income Categories Explained PMAY-Urban 2.0 classifies applicants based on annual family income: If income exceeds ₹9 […]
- [PM Vishwakarma Scheme Loan EMI Calculator](https://planmyreturns.com/pm-vishwakarma-scheme-loan-emi-calculator/): The PM Vishwakarma Scheme Loan EMI Calculator helps artisans and traditional workers estimate their monthly EMI under the government-backed PM Vishwakarma Yojana. The scheme offers loans at a fixed 5% interest rate, with the remaining interest subsidized by the government. Using this calculator, you can instantly see your monthly EMI, total repayment, and interest savings for loans up to ₹1 lakh (Tranche 1) and ₹2 lakh (Tranche 2), based on official scheme guidelines. What Is the PM Vishwakarma Scheme? The PM Vishwakarma Scheme is a central government initiative designed to support traditional artisans and craftspeople such as carpenters, blacksmiths, goldsmiths, tailors, […]
- [NPS Vatsalya Calculator](https://planmyreturns.com/nps-vatsalya-calculator/): NPS Vatsalya Calculator – Estimate Your Child’s Corpus at Age 18 The PlanMyReturns NPS Vatsalya Calculator helps parents estimate how much corpus they can build for their child by the time they turn 18. You can calculate: This tool is built specifically for the structure of the NPS Vatsalya scheme. What Is NPS Vatsalya? NPS Vatsalya is a child-focused version of the National Pension System. It allows parents or guardians to open an NPS account in the name of a minor and build long-term wealth from an early age. When Was NPS Vatsalya Introduced? NPS Vatsalya was introduced in 2024 as […]
- [UPS Pension Calculator](https://planmyreturns.com/ups-pension-calculator/): UPS Pension Calculator – Estimate Your Assured Monthly Pension The UPS Pension Calculator helps government employees estimate their monthly pension under the Unified Pension Scheme (UPS) based on: This calculator provides clarity on: What Is UPS (Unified Pension Scheme)? The Unified Pension Scheme (UPS) is a government-backed pension structure designed to provide assured retirement income to eligible employees. Under UPS, pension is typically calculated as: 50% of the last drawn salary (Basic + DA), subject to eligibility conditions and minimum qualifying service. This structure ensures predictable post-retirement income rather than depending purely on market returns. How UPS Pension Is Calculated UPS […]
- [Telangana Property Registration Charges Calculator](https://planmyreturns.com/telangana-property-registration-charges-calculator/): Buying property in Telangana comes with two mandatory government charges you must pay before the property is legally yours: stamp duty and the registration fee. In urban areas a transfer duty applies too. Together these add roughly 6% to 7.5% to your purchase cost, which on a large property runs into several lakhs. This Telangana property registration charges calculator estimates your stamp duty, transfer duty and registration fee for both urban and rural locations. Enter your property value, pick the location type, and see each charge, the total, and a clear breakdown. The registration fee is capped at ₹20,000 for sale […]
- [Telangana Grameena Bank Home Loan EMI Calculator](https://planmyreturns.com/telangana-grameena-bank-home-loan-emi-calculator/): Use this free calculator to find your monthly EMI for a Telangana Grameena Bank (TGB) home loan. Current TGB home loan interest rates start from 8.00 per cent per annum (effective December 2025) and go up to 10.50 per cent depending on your loan amount and CIBIL score. Enter your loan amount, tenure and interest rate to get your EMI, total interest payable, full amortization schedule and prepayment savings in seconds. No login needed. What This TGB Home Loan EMI Calculator Shows You Most online EMI calculators stop at the monthly EMI figure. This calculator goes further with features built for […]
- [LIC Home Loan EMI Calculator](https://planmyreturns.com/lic-home-loan-emi-calculator/): Use this free LIC Home Loan EMI calculator to find your exact monthly EMI, total interest payable and loan closure date for any LIC Housing Finance loan. The calculator also shows how much interest you save and how many years you cut from your loan tenure by making extra payments each month, paying one bonus EMI per year or increasing your EMI by a percentage annually. Enter your loan amount, interest rate and tenure to get started instantly. What This LIC Home Loan EMI Calculator Does That Others Do Not Most LIC home loan calculators online give you one number: your […]
- [LIC New Jeevan Amar – Term Insurance Calculator](https://planmyreturns.com/lic-new-jeevan-amar-term-insurance-calculator/): LIC New Jeevan Amar Premium Calculator (Plan 855) The LIC New Jeevan Amar Premium Calculator is a specialized tool designed to help you instantly estimate the cost of protecting your family’s future. It calculates the precise premium for LIC’s Plan 855—a non-linked, non-participating, pure term assurance plan—based on your age, smoking status, and desired coverage (Sum Assured). Unlike standard calculators, this tool allows you to compare complex options like Level Sum Assured vs. Increasing Sum Assured and Regular Pay vs. Limited Pay, ensuring you find the plan that fits your budget perfectly. How to Use This Calculator We have designed this […]
- [LIC New Children’s Money Back Plan](https://planmyreturns.com/lic-new-childrens-money-back-plan/): LIC New Children’s Money Back Plan Calculator (Plan 932) The LIC New Children’s Money Back Plan (Plan 932) is a traditional participating insurance plan designed to provide periodic money back payouts for a child’s education and future needs, along with life insurance protection. The PlanMyReturns LIC Child Plan Calculator helps you estimate: All calculations are based on standard plan structure and are meant for planning and comparison. What Is LIC New Children’s Money Back Plan (932)? LIC New Children’s Money Back Plan is a non-linked, participating children’s plan offered by Life Insurance Corporation of India. Key Purpose of the Plan The […]
- [LIC New Endowment Plan 714 Calculator](https://planmyreturns.com/lic-new-endowment-plan-714-calculator/): LIC New Endowment Plan 714 Calculator: Premium & Maturity The LIC New Endowment Plan 714 Calculator is a comprehensive tool designed to help you check the exact returns on your life insurance investment. It instantly calculates your Annual Premium, total Maturity Amount, and provides a year-by-year illustration of your Death Benefit and Loan Eligibility. Whether you are planning for a child’s future or a safe retirement corpus, this tool helps you verify if the returns meet your financial goals before you sign the policy document. How to Use This LIC Calculator We have designed this tool to mimic an official LIC […]
- [LIC New Jeevan Anand Plan 715 Calculator](https://planmyreturns.com/lic-new-jeevan-anand-plan-715-calculator/): LIC New Jeevan Anand Plan 715 Calculator: Maturity & Premium (2025) The LIC New Jeevan Anand Plan 715 Calculator is a comprehensive tool designed to help you instantly estimate your Premium, Maturity Amount, and Lifetime Risk Cover. Whether you are planning for your family’s security or your own retirement, this tool breaks down the exact returns you can expect based on current bonus rates. Simply enter your age and desired Sum Assured to see a year-by-year illustration of your policy’s growth. How to Use This LIC Calculator We have designed this tool to mimic an official LIC illustration but with a […]
- [LIC Jeevan Utsav Plan 771 Calculator](https://planmyreturns.com/lic-jeevan-utsav-plan-771-calculator/): What Is the LIC Jeevan Utsav Calculator? The LIC Jeevan Utsav calculator is a free online tool that estimates your premium and guaranteed lifelong income under LIC Jeevan Utsav Plan 771. You enter your age, basic sum assured and premium paying term. It instantly shows what you pay and what you receive for life. Plan 771 is a whole life, non-linked, non-participating plan from LIC of India. It carries UIN 512N363V02 and replaced the earlier Plan 871 under the IRDAI (Insurance Products) Regulations, 2024. Because it is non-participating, every benefit is fixed and guaranteed. Nothing here depends on the market. This […]
- [LIC Jeevan Umang Plan 745 Calculator](https://planmyreturns.com/lic-jeevan-umang-plan-745-calculator/): LIC Jeevan Umang Plan 745 Calculator: Premium & Maturity (2026) The LIC Jeevan Umang Plan 745 Calculator is a comprehensive tool designed to help you calculate your premium, visualize your 8% annual survival benefit, and understand your year-wise cash flow. Whether you are planning for a guaranteed pension or lifelong insurance cover, this tool provides an instant illustration of how Plan 745 works for your age and budget. How to Use The LIC Jeevan Umang Calculator We have designed this tool to mimic an official LIC illustration but with a simpler interface. Follow these steps: What is LIC Jeevan Umang (Plan […]
- [LIC Jeevan Labh Plan 736 Calculator](https://planmyreturns.com/lic-jeevan-labh-plan-736-calculator/): What Is the LIC Jeevan Labh (Plan 736) Calculator? The LIC Jeevan Labh Plan 736 calculator is a free tool that estimates your yearly premium, total investment, life cover, maturity payout and annualized return in seconds. You enter three things: your sum assured, your age at entry, and your policy term. The calculator does the rest and shows a full year-by-year illustration. Jeevan Labh is a participating, non-linked, limited premium endowment plan from the Life Insurance Corporation of India. Plan 736 (UIN 512N304V03) launched in October 2024 and is the current version, replacing the earlier Plan 936. It gives you life […]
- [Loan Prepayment vs Investing Calculator](https://planmyreturns.com/loan-prepayment-vs-investing-calculator/): Loan Prepayment vs Investment Calculator The Loan Prepayment vs. Investment Calculator is a decision-making tool designed to solve the classic financial dilemma: Should you use your surplus cash to prepay your loan or invest it for higher returns? By comparing the Interest Saved from prepayment against the Future Value of investments, this tool gives you a clear “Net Financial Benefit” figure, helping you make a mathematically sound decision. How to Use Loan Prepayment vs Investment Calculator We have designed this tool to be flexible for all loan types (Home, Car, Personal, or Education). Follow these steps: Tip: Use the “Quick Comparison […]
- [Old vs New Tax Regime Calculator](https://planmyreturns.com/old-vs-new-tax-regime-calculator/): What Is the Old vs New Tax Regime Calculator? The Old vs New Tax Regime Calculator is a free comparison tool that calculates your income tax under both Indian tax regimes for FY 2025-26 (AY 2026-27) and tells you which one saves more money. You enter your annual salary and deductions once, and the calculator instantly shows taxable income, tax payable, effective tax rate and annual savings under each regime. Since the new regime is now the default under Section 115BAC of the Income Tax Act, every salaried employee must actively decide whether to stay in it or opt for the […]
- [PPF vs NPS Comparison Calculator](https://planmyreturns.com/ppf-vs-nps-comparison-calculator/): PPF vs NPS Calculator – Which Is Better for Long-Term Investment? The PPF vs NPS Comparison Calculator helps you answer a common and important question: Should I invest in PPF or NPS for long-term wealth and retirement? Instead of opinions, this calculator compares real numbers. You can see how the same annual investment grows under PPF (safe, fixed returns) and NPS (market-linked returns) over time, and which option creates a higher corpus based on your inputs. What Is PPF? Public Provident Fund (PPF) is a government-backed long-term savings scheme designed for conservative investors. Key PPF Facts PPF is mainly chosen for […]
- [FD vs RD Comparison Calculator](https://planmyreturns.com/fd-vs-rd-comparison-calculator/): FD vs RD Calculator: Compare Returns & Interest (2026) The FD vs RD Calculator is a smart decision-making tool that helps you choose between a Fixed Deposit (FD) and a Recurring Deposit (RD). Should you invest a lump sum today, or save small amounts every month? This tool compares both scenarios side-by-side using the same tenure and interest rate, showing you exactly which option creates more wealth. How to Use FD vs RD Calculator We have designed this calculator with a unique “Equal Investment” feature to give you a fair comparison. FD vs RD: What is the Difference? Both schemes are […]
- [SIP vs Lump Sum Calculator](https://planmyreturns.com/sip-vs-lump-sum-calculator/): SIP vs Lump Sum Calculator: Compare Returns with Historical Data The SIP vs Lump Sum Calculator is an advanced financial tool designed to help Indian investors answer the ultimate question: Is it better to invest a large amount at once or stagger it over time? Unlike basic calculators that rely on guesswork, this tool allows you to compare strategies using Assumed Returns (e.g., 12%) or actual Historical Nifty 50 Data (since 2000). See the mathematical difference in maturity value, total gains, and risk adjusted returns instantly. How to Use SIP vs Lump Sum Calculator We have designed this tool to handle […]
- [Crorepati Calculator](https://planmyreturns.com/crorepati-calculator/): Crorepati Calculator – Plan Your ₹1 Crore Goal Becoming a crorepati is not about luck. It is about structured investing, disciplined SIP contributions, and compounding over time. The PlanMyReturns Crorepati Calculator helps you find: This calculator focuses on one outcome: reaching your financial target efficiently. What Is a Crorepati Goal? A crorepati goal means building a corpus of at least ₹1 crore (₹10,000,000). Many investors aim for ₹1 crore for: This calculator is goal-based. Instead of asking “how much return will I get,” it answers: How long will it take to reach ₹1 crore? How This Crorepati Calculator Works The calculator […]
- [FIRE Calculator](https://planmyreturns.com/fire-calculator/): FIRE Calculator – Calculate Your Financial Independence Timeline The PlanMyReturns FIRE Calculator helps you estimate when you can achieve financial independence and how large your retirement corpus needs to be. It calculates: This tool is designed for individuals who want to know: How many years do I need to retire early?What is my FIRE number?Am I on track to achieve financial freedom? What Is FIRE? FIRE stands for Financial Independence, Retire Early. It is a financial strategy focused on: The goal is to build a large enough investment corpus so that investment returns can fund your living expenses permanently. What Is […]
- [Buy vs Rent Calculator](https://planmyreturns.com/buy-vs-rent-calculator/): Buy vs Rent Calculator – Should You Buy a House or Keep Renting? Deciding whether to buy a home or continue renting is one of the biggest financial decisions you will ever make. This Buy vs Rent Calculator helps you compare: Instead of emotional decisions, you get a clear numbers-based verdict. What This Calculator Actually Compares This is not just an EMI calculator. It compares two full financial journeys over your selected tenure. If You Buy If You Rent At the end, it compares total wealth from both strategies. Inputs Covered in This Buy vs Rent Calculator Property Details Rental and […]
- [Stock Average Calculator](https://planmyreturns.com/stock-average-calculator/): Stock Average Calculator: Calculate Average Price & Target The Stock Average Calculator is a powerful tool for traders and long-term investors to instantly determine the average price of their stock holdings. Whether you are “averaging down” during a market dip or “pyramiding” (averaging up) during a bull run, this tool handles the math for you. Beyond simple averages, this tool includes a unique Scenario Planner that tells you exactly how many more shares you need to buy to reach your desired break-even point. How to Use Planmyreturns Stock Average Calculator We have designed this tool to cover two main needs: finding […]
- [Leave Salary Payout Calculator](https://planmyreturns.com/leave-salary-payout-calculator/): Leave Salary Calculator – Calculate Per Day Salary & Leave Deduction The Leave Salary Calculator by PlanMyReturns helps you calculate how much salary is deducted when you take unpaid leaves and what your actual net payout will be for the month. This calculator is useful for salaried employees who want clear answers to questions like: What Is Leave Salary Deduction? Leave salary deduction refers to the reduction in monthly salary when an employee takes unpaid leave (LOP).Most companies calculate leave deduction based on: Because companies follow different salary structures, deductions can vary even for the same CTC. What This Leave Salary […]
- [Take Home Salary Calculator](https://planmyreturns.com/take-home-salary-calculator/): Take Home Salary Calculator – Calculate Monthly In-Hand Salary Your gross salary is not what you receive in your bank account. The PlanMyReturns Take Home Salary Calculator helps you calculate: This calculator is based on FY 2025-26 tax rules, including rebate provisions and cess. What Is Take Home Salary? Take home salary, also called net salary or in-hand salary, is the amount credited to your bank account after: Formula used: Net Salary = Gross Salary – (Income Tax + PF + Other Deductions) This calculator shows both monthly and annual figures. What This Salary Calculator Calculates Monthly In-Hand Salary Shows your […]
- [Kisan Credit Card Limit Calculator](https://planmyreturns.com/kisan-credit-card-limit-calculator/): KCC Limit Calculator – Calculate Your Crop Loan Eligibility The KCC Limit Calculator helps farmers estimate their Kisan Credit Card (KCC) loan limit based on: It provides a detailed Year 1 loan breakdown and a 5-year projection with annual enhancement, helping you understand how your agricultural working capital limit may grow over time. This tool is designed for planning and comparison before approaching a bank. What Is Kisan Credit Card (KCC)? The Kisan Credit Card (KCC) scheme was introduced in 1998 to provide timely and affordable credit to farmers for crop production and allied activities. The scheme is implemented by banks […]
- [Farm Equipment Subsidy Calculator](https://planmyreturns.com/farm-equipment-subsidy-calculator/): Farm Equipment Subsidy Calculator: Check SMAM Scheme Eligibility & Amount The Farm Equipment Subsidy Calculator is a specialized tool designed for Indian farmers to instantly estimate the government financial assistance available for purchasing agricultural machinery. Whether you are planning to buy a Tractor, Rotavator, or Combine Harvester, this tool calculates your eligible subsidy amount under the Sub-Mission on Agricultural Mechanization (SMAM) scheme based on your category and landholding. How to Use Planmyreturns Subsidy Calculator Government subsidy rules can be complex. We have simplified them into a few easy steps. Here is how to check your benefit: What is the SMAM Scheme? […]
- [Agricultural Loan EMI Calculator](https://planmyreturns.com/agricultural-loan-emi-calculator/): Agricultural Loan EMI Calculator – Calculate Farm Loan EMI, Interest & Repayment The PlanMyReturns Agricultural Loan EMI Calculator helps farmers and agri-entrepreneurs calculate: This tool is designed for real agricultural financing scenarios, including crop loans, equipment loans, irrigation financing and farm expansion loans. What Is an Agricultural Loan? An agricultural loan is a type of credit provided to farmers and agri-business owners for purposes such as: These loans may be offered by banks, rural banks, cooperative societies and NBFCs. Interest rates vary based on scheme, subsidy eligibility and credit profile. What This Agricultural Loan Calculator Helps You Calculate EMI Calculation The […]
- [401K Employer Match Calculator](https://planmyreturns.com/401k-employer-match-calculator/): Use this free 401(k) employer match calculator to see exactly how much your employer contributes to your retirement alongside your own savings. Enter your salary, contribution percentage and your company’s matching formula. The calculator handles simple percentage matches, dollar-for-dollar matches and complex tiered structures. It applies 2026 IRS contribution limits automatically, factors in salary growth and generates a complete year-by-year projection of your retirement balance. No login required. What Makes This 401(k) Calculator Different from Bankrate and NerdWallet Most 401(k) calculators online handle only the most basic matching formula: a flat percentage up to a salary cap. Real employer plans are […]
- [HSA Contribution Calculator](https://planmyreturns.com/hsa-contribution-calculator/): HSA Contribution Calculator – Maximize Tax Savings and Long-Term Growth The PlanMyReturns HSA Contribution Calculator helps you understand how much you can contribute to a Health Savings Account (HSA), how much tax you save every year, and how your HSA balance can grow over time if invested. This calculator is built for people who want to use HSA not just for medical expenses, but as a long-term, tax-efficient savings tool. What Is an HSA (Health Savings Account)? A Health Savings Account (HSA) is a tax-advantaged savings account available to individuals covered under a High Deductible Health Plan (HDHP). HSAs are often […]
- [Asset Allocation Calculator](https://planmyreturns.com/asset-allocation-calculator/): Deciding how much to put into stocks, bonds and cash is the single biggest driver of your long-term returns. This free asset allocation calculator gives you a personalised split based on your age, investment horizon and risk tolerance, then projects how your money could grow over time. Enter your monthly or yearly investment amount, pick your risk level, and you get an instant pie chart, a full breakdown by asset class, and an estimated future corpus. Everything runs privately in your browser with no sign-up. What Is Asset Allocation Asset allocation is how you divide your money across the main asset […]
- [SWP Calculator](https://planmyreturns.com/swp-calculator/): Use this free SWP calculator to find out how much monthly income you can withdraw from your investment, how long your corpus will last, and what happens when inflation is applied. Enter your total investment, monthly withdrawal amount, expected return rate and time period. The calculator runs month-by-month projections and shows a year-wise cash flow table, so you can see exactly when your corpus may run out or how much remains at the end of your plan. No login, no sign-up, and your data never leaves your browser. What Is a Systematic Withdrawal Plan (SWP)? A Systematic Withdrawal Plan, or SWP, […]
- [ULIP Returns Calculator](https://planmyreturns.com/ulip-returns-calculator/): What Is a ULIP Calculator? A ULIP calculator estimates the maturity value of your Unit Linked Insurance Plan. You enter your premium, policy term and expected return rate. The tool then shows your total premium, net profit, CAGR after charges and life cover, along with a year by year breakdown of how your fund grows. A ULIP, or Unit Linked Insurance Plan, is a life insurance product regulated by IRDAI that also invests part of your premium in market linked funds. Each premium splits in two. One part pays for life cover. The rest is invested in equity, debt or balanced […]
- [ Saral Jeevan Bima Premium Calculator](https://planmyreturns.com/saral-jeevan-bima-premium-calculator/): What Is Saral Jeevan Bima? Saral Jeevan Bima is a standard term insurance plan that every life insurer in India must offer with the same rules, benefits, and policy wording. The Insurance Regulatory and Development Authority of India (IRDAI) mandated this plan from 1 January 2021 to make basic life cover simple, affordable, and easy to compare. It is a pure protection plan. Your nominee receives the sum assured if you pass away during the policy term. There is no maturity benefit, no investment component, and no bonus. If you survive the term, nothing is paid back. That is exactly why […]
- [Salary Hike Calculator](https://planmyreturns.com/salary-hike-calculator/): What Is a Salary Hike Calculator? A salary hike calculator is a free online tool that shows your new salary after a raise. You enter your old salary and either your hike percentage or your new salary. The tool instantly shows your new pay, your hike percentage, and how much extra you earn every month and every year. It removes guesswork from appraisal letters and job offers. Instead of doing manual math, you see the real rupee impact of any raise in seconds. This calculator works for both monthly salary and annual CTC, so it fits salaried employees, job switchers, freshers, […]
- [Post Office RD Calculator](https://planmyreturns.com/post-office-rd-calculator/): Post Office RD Calculator – Calculate 5 Year RD Maturity Value The Post Office Recurring Deposit Calculator helps you calculate the exact maturity value of your 5 year RD investment based on the official interest rate. This calculator shows: It is designed specifically for the 5 Year Post Office Recurring Deposit scheme. What Is Post Office Recurring Deposit (RD)? Post Office RD is a government-backed small savings scheme where you deposit a fixed amount every month for 5 years and earn guaranteed interest. Key Features This makes RD suitable for disciplined short-term to medium-term savings goals. Current Post Office RD Interest […]
- [National Savings Monthly Income Account Calculator](https://planmyreturns.com/national-savings-monthly-income-account-calculator/): Post Office MIS Calculator – Calculate Monthly Income & Total Returns The PlanMyReturns Post Office MIS Calculator helps you estimate how much monthly income you will receive from the Post Office Monthly Income Scheme (MIS) and how much total interest you will earn over 5 years. This tool calculates: It reflects the current MIS structure: 7.4% interest rate for a fixed tenure of 5 years. What Is Post Office MIS? The Post Office Monthly Income Scheme (MIS) is a government-backed savings scheme designed to provide fixed monthly income to investors. It is suitable for: When Was MIS Introduced? The Post Office […]
- [​Kisan Vikas Patra Calculator](https://planmyreturns.com/kisan-vikas-patra-calculator/): What Is the KVP Calculator? The KVP calculator is a free online tool that shows exactly how much your one-time Kisan Vikas Patra deposit grows to at maturity, and how long it takes to double. You enter three simple inputs and get an instant, accurate result with a full year-by-year breakdown. Kisan Vikas Patra is a government-backed savings certificate sold by India Post. You invest a lump sum once, and the government returns roughly double the amount on a fixed date. There is no market risk and no annual paperwork. The doubling date is printed on the certificate the day you […]
- [Post Office Senior Citizen Saving Scheme Calculator](https://planmyreturns.com/post-office-senior-citizen-saving-scheme-calculator/): SCSS Calculator: Estimate Your Quarterly Income in Seconds The Senior Citizen Savings Scheme pays you interest every quarter instead of adding it to your deposit. This makes it one of the few government schemes built purely for regular retirement income. The PlanMyReturns SCSS calculator shows exactly how much you will receive every three months, the total interest over your chosen tenure, and the amount returned at maturity. The calculator gives you: What Is the Senior Citizen Savings Scheme (SCSS)? The Senior Citizen Savings Scheme is a government-backed deposit scheme launched in 2004 to give retirees a safe, predictable income. It is […]
- [National Savings Time Deposit Calculator](https://planmyreturns.com/national-savings-time-deposit-calculator/): National Savings Time Deposit Calculator (Post Office TD) The National Savings Time Deposit Calculator helps you calculate the maturity value, interest earned, and yearly growth of your Post Office Time Deposit investment. This calculator is designed to answer a simple but important question: “How much will my Post Office Time Deposit be worth at maturity?” It supports all official tenures, current interest rates, quarterly compounding, and shows a clear year-wise breakdown of returns. What Is National Savings Time Deposit? National Savings Time Deposit (TD) is a government-backed fixed deposit scheme offered through Indian Post Offices. It works similarly to a bank […]
- [Calculators](https://planmyreturns.com/calculators/): Financial Calculators Online: Free SIP, EMI, PPF, NPS and Tax Tools for India Welcome to the complete collection of PlanMyReturns financial calculators, a free toolkit built for India. Plan your SIP and mutual fund investments, work out loan EMIs, estimate income tax, project your PPF, EPF and NPS corpus, and map out goals like retirement, a home or your child’s education. Every tool is free, needs no sign-up, and runs entirely in your browser so your figures stay private. 100% Free No Sign-up Privacy-first 45+ Calculators All Investments Savings Loans Tax & Salary Goal Planning Comparisons Other Tools No calculators match […]
- [About](https://planmyreturns.com/about/): About PlanMyReturns PlanMyReturns is a free collection of financial calculators built for Indian users. Our aim is to help you understand and plan your money with clear, easy to use tools for investments, loans, taxes and savings goals. 100% Free No Sign-up Privacy-first Made for India Our Purpose PlanMyReturns was created to make everyday financial calculations simple and accessible. Whether you want to estimate the future value of a monthly investment, work out a loan EMI, or check a tax deduction, our tools give you a clear estimate in a few steps. We believe basic financial understanding should be available to […]
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- [Contact Us](https://planmyreturns.com/contact-us/): Contact PlanMyReturns Have a question about one of our calculators, spotted an error, or want to share feedback? Send us a message using the form below and we will get back to you. We typically reply within one business day. Send us a message Fill in your name, email and message below. Please include the calculator name and the numbers you entered if you are reporting an issue, so we can help you faster. Privacy note: The details you submit are used only to respond to your message. We do not sell or share your information. Read our Privacy Policy for […]
- [Disclaimer](https://planmyreturns.com/disclaimer/): Disclaimer Please read this Disclaimer carefully before using PlanMyReturns or any of our free financial calculators. It explains how our tools work, the limits of the information we provide, and how advertising and your data are handled. Last updated: 1 June 2026 1 Educational and informational purpose PlanMyReturns provides free calculators and articles created purely for general educational and informational purposes. Every result is an estimate generated from the values you enter and simplified, publicly available formulas. Nothing on this website should be treated as financial, investment, tax, legal, or accounting advice, and no result is a promise or guarantee of […]
- [DMCA](https://planmyreturns.com/dmca/): DMCA Copyright Policy PlanMyReturns respects the intellectual property rights of others and expects our users to do the same. This page explains how copyright owners can report content on PlanMyReturns.com and how we handle each request under the Digital Millennium Copyright Act (DMCA) framework. Last updated: 1 June 2026 1 Purpose of This Policy This policy sets out a clear, good faith process for reporting material on PlanMyReturns.com that you believe infringes your copyright. We review every valid notice we receive and act on it promptly. Our goal is to protect original creators while keeping our financial calculators and educational guides […]
- [Terms and Conditions](https://planmyreturns.com/terms-and-conditions/): Terms and Conditions Please read these Terms and Conditions carefully before using PlanMyReturns and its free financial calculators. By using this website, you agree to the terms described below. Last updated: June 2026 1 Introduction and Acceptance Welcome to PlanMyReturns. By accessing or using this website, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, please discontinue use of the website. These terms apply to all calculators, tools, articles, and other content available on planmyreturns.com. We may revise these terms occasionally, and continued use of […]
- [SBI PPF Calculator](https://planmyreturns.com/sbi-ppf-calculator/): SBI PPF Calculator: Calculate Interest, Returns and Maturity Value Online The SBI PPF Calculator helps you calculate the maturity value, interest earned, and total returns on your Public Provident Fund investment with State Bank of India. Whether you’re planning to invest Rs 50,000 yearly or maximize contributions at Rs 1.5 lakh annually, this calculator provides accurate projections with year-by-year breakdown, loan eligibility details, and withdrawal options to help you plan your long-term savings efficiently with guaranteed returns and tax benefits under Section 80C. What is SBI PPF (Public Provident Fund)? SBI Public Provident Fund is a government-backed long-term savings scheme offered […]
- [Net Worth Calculator](https://planmyreturns.com/net-worth-calculator/): Net Worth Calculator – Calculate Your Assets, Liabilities and Financial Position Understanding your net worth is the foundation of financial planning. This Net Worth Calculator helps you measure your current financial position by subtracting liabilities from assets and projecting your future net worth over time. It is designed for individuals who want clarity on: This is not just a balance sheet tool. It helps you see direction and risk. What Is Net Worth? Net worth is the difference between your total assets and total liabilities. Net Worth Formula: Net Worth = Total Assets − Total Liabilities If the result is positive, […]
- [Inflation Calculator](https://planmyreturns.com/inflation-calculator/): Inflation Calculator – Calculate Future Cost and Purchasing Power Inflation reduces the value of money over time. What costs ₹1,00,000 today will not cost the same in 10 or 20 years. This Inflation Calculator helps you understand: It is built for practical financial planning, not just theoretical calculations. What Is Inflation? Inflation is the rate at which prices of goods and services increase over time. When inflation rises: In India, average inflation typically ranges between 4% and 7%, depending on economic conditions. If inflation is 6% per year, something costing ₹1,00,000 today would cost approximately ₹1,79,000 after 10 years. That is […]
- [Emergency Fund Calculator](https://planmyreturns.com/emergency-fund-calculator/): Emergency Fund Calculator – How Much Savings Do You Really Need? An emergency fund is the first step in financial planning. Before investing, before wealth creation, before retirement planning, you need a financial buffer. This Emergency Fund Calculator helps you determine: It is built to answer one high-intent question: How much emergency fund should I have? What Is an Emergency Fund? An emergency fund is money set aside to cover unexpected financial shocks such as: It is not an investment. It is a financial safety buffer. Financial experts typically recommend keeping 3 to 12 months of living expenses as emergency savings. […]
- [Vacation Planning Calculator](https://planmyreturns.com/vacation-planning-calculator/): Vacation Planning Calculator – Plan Your Trip Without Financial Stress Planning a vacation is exciting. Funding it properly is where most people struggle. This Vacation Planning Calculator helps you answer: It combines investment growth, travel inflation, and loan EMI calculation into one clear plan. What Is a Vacation Planning Calculator? A Vacation Planning Calculator estimates: It helps you avoid last-minute borrowing and high-interest debt. Why Travel Costs Increase Over Time Travel costs rarely stay constant. Airfares, hotel rates, visa costs and currency changes increase expenses over time. This calculator allows you to adjust: So your plan reflects realistic future costs, not […]
- [Dream Home Calculator](https://planmyreturns.com/dream-home-calculator/): Dream Home Calculator – Plan Your House Purchase Smartly Buying a home is one of the biggest financial decisions you will ever make. The Dream Home Calculator helps you answer a simple but powerful question: How much should I invest every month to afford my future home? This calculator projects: It gives you clarity before you commit to a long-term home purchase plan. What Is a Dream Home Calculator? A Dream Home Calculator is a goal-based financial planning tool. It estimates how much money you need to accumulate before buying a house at a specific age. Instead of guessing, it calculates: […]
- [Marriage Planning Calculator](https://planmyreturns.com/marriage-planning-calculator/): Marriage Planning Calculator – Plan Your Wedding Goal Smartly Marriage is one of the biggest financial milestones in life. Whether it is a simple ceremony or a large destination wedding, costs increase every year due to inflation. This Marriage Planning Calculator helps you: It is built for practical decision-making, not rough estimates. What Is a Marriage Planning Calculator? A Marriage Planning Calculator is a financial planning tool that helps you estimate: It combines inflation and investment return assumptions to give a realistic projection. Why Wedding Planning Needs Financial Planning Marriage costs rise every year due to: If you plan a wedding […]
- [Education Planning Calculator](https://planmyreturns.com/education-planning-calculator/): Rising college fees have made education one of the biggest financial goals for Indian families, often second only to buying a home. This education planning calculator turns that worry into a plan. It tells you the future cost of the course you are targeting, how much your current savings will grow, and the exact monthly SIP you need to close the gap. Every number is calculated privately in your browser, with no sign-up and no data sharing. What Is an Education Planning Calculator? An education planning calculator estimates the future cost of your child’s higher education after inflation, then works out […]
- [Retirement Calculator](https://planmyreturns.com/retirement-calculator/): This free retirement planning calculator answers the three questions every Indian investor needs answered: how large a corpus you need at retirement, how much monthly SIP will get you there, and what monthly income that corpus will generate once you stop working. It adjusts your expenses for inflation, credits your existing savings, applies separate pre-retirement and post-retirement returns, and shows a year-by-year corpus growth schedule. No login. No data stored. Everything runs in your browser. What This Retirement Calculator Shows Most retirement calculators in India show you a corpus number and stop there. This one goes all the way to an […]
- [ElSS Calculator](https://planmyreturns.com/elss-calculator/): Use this free ELSS calculator to find out exactly how much income tax you save by investing in an Equity Linked Savings Scheme, and how that investment could grow after the mandatory 3-year lock-in. Enter your income, ELSS amount, and any other Section 80C investments already made. The calculator shows your rupee tax saved, net tax payable, effective tax rate, and projected maturity value, calculated separately for the old and new tax regimes. What This ELSS Calculator Does Most ELSS calculators online only estimate investment growth. This one goes further and handles the full picture in one place. Nine things this […]
- [Standard Deduction Calculator](https://planmyreturns.com/standard-deduction-calculator/): Standard Deduction Calculator FY 2025-26 The Standard Deduction Calculator helps you determine how much income can be reduced before tax is calculated under the New and Old Tax Regime for FY 2025-26. It shows: This tool is built for quick clarity and planning accuracy. What Is Standard Deduction? Standard deduction is a flat deduction allowed from salary or pension income before calculating taxable income. You do not need to submit investment proofs to claim it. Standard Deduction for FY 2025-26 The deduction is limited to your gross income. If your salary is lower than the limit, you can claim only up […]
- [Advance Tax Calculator](https://planmyreturns.com/advance-tax-calculator/): Advance Tax Calculator FY 2025-26: Calculate Your Payment Schedule Online Advance tax is income tax you pay during the year instead of in one lump sum at the end. Under the Income Tax Act, you must pay it in installments when your total tax liability, after adjusting TDS and TCS, crosses ₹10,000 in a financial year. This advance tax calculator does the full computation for you in seconds. Enter your estimated income, deductions, and any tax already deducted, and it shows your total tax liability along with the exact amount to deposit by each due date. Here is what it calculates […]
- [TDS Calculator](https://planmyreturns.com/tds-calculator/): TDS Calculator for FY 2025-26: Section-Wise Calculation Made Simple Tax Deducted at Source affects almost every earning Indian. Your employer deducts it from salary. Your bank deducts it from fixed deposit interest. Your clients deduct it from professional fees. Yet most people only discover the deduction after the money is gone. The PlanMyReturns TDS calculator solves this. Select your payment type, enter the amount, and see the exact TDS, the applicable section, the threshold, and your net amount in hand. It uses the updated FY 2025-26 rates and thresholds announced in Budget 2025, and also supports FY 2024-25 for older calculations. […]
- [Gratuity Calculator](https://planmyreturns.com/gratuity-calculator/): Gratuity Calculator – Calculate Gratuity, Tax Exemption & Taxable Amount The PlanMyReturns Gratuity Calculator helps you calculate how much gratuity you are eligible for, how much of it is tax-exempt, and how much becomes taxable, based on the latest Indian labour laws and tax rules. This calculator is built for accuracy and clarity. It supports: What Is Gratuity? Gratuity is a lump-sum payment made by an employer to an employee as a reward for long and continuous service. It is governed by the Payment of Gratuity Act, 1972 and becomes payable when an employee: When Does an Employee Become Eligible for […]
- [Capital Gains Calculator](https://planmyreturns.com/capital-gains-calculator/): What Is the Capital Gains Tax Calculator? The PlanMyReturns Capital Gains Tax Calculator tells you exactly how much tax you owe when you sell shares, equity mutual funds, property, gold or debt funds in India. Enter three details, purchase value, sale value and holding period, and the tool instantly classifies your gain as short term or long term, applies the correct rate under the rules effective 23 July 2024, deducts the ₹1.25 lakh equity exemption where eligible, and adds 4% health and education cess. Budget 2026 made no changes to capital gains rates, so the same 12.5% LTCG and 20% equity […]
- [HRA Exemption Calculator](https://planmyreturns.com/hra-exemption-calculator/): HRA Exemption Calculator: Check How Much of Your HRA Is Tax-Free The PlanMyReturns HRA Exemption Calculator shows exactly how much of your House Rent Allowance is tax-free and how much is added to your taxable income. Enter your basic salary, HRA received, rent paid, and city type, and you instantly see your exempt amount, your taxable amount, and the precise rule that decided it under Section 10(13A) of the Income Tax Act. HRA exemption is one of the largest tax breaks available to salaried employees in India. For a renter in a big city, it can shield a meaningful part of […]
- [Income Tax Calculator](https://planmyreturns.com/income-tax-calculator/): Income Tax Calculator for FY 2025-26 and FY 2026-27 This free income tax calculator works for both FY 2025-26 (AY 2026-27) and FY 2026-27 (AY 2027-28). It calculates your tax under the New Regime and the Old Regime at the same time, applies the correct standard deduction, Section 87A rebate, marginal relief, surcharge, and 4% cess, and tells you which regime saves you more money. Everything runs inside your browser. Your salary and deduction details are never sent to any server, which makes this one of the safest ways to check your tax before filing. What This Income Tax Calculator Does […]
- [Loan Eligibility Calculator](https://planmyreturns.com/loan-eligibility-calculator/): Loan Eligibility Calculator – How Much Loan Can You Get? The Loan Eligibility Calculator helps you estimate how much loan amount you may qualify for, based on your income, expenses, existing EMIs, credit score, loan type, and tenure. Instead of guessing or relying on rough rules, this calculator uses DTI-based eligibility logic, similar to how banks and NBFCs assess borrowers. What Is Loan Eligibility? Loan eligibility refers to the maximum loan amount a lender may offer you, based on your financial profile. Banks usually evaluate: This calculator combines all of these to give a realistic estimate, not a marketing number. How […]
- [Gold Loan Calculator](https://planmyreturns.com/gold-loan-calculator/): Gold Loan Calculator A gold loan calculator shows how much money you can borrow against your gold, along with your monthly EMI and total interest. Instead of visiting a branch and waiting for a manual valuation, you get a reliable estimate in seconds from your gold’s weight, purity and today’s market rate. This calculator works two ways. In weight mode, you enter the grams of gold you plan to pledge and see your eligible loan amount. In loan amount mode, you enter the money you need and the tool works backward to show the gold required. Both modes factor in purity, […]
- [Education Loan Calculator](https://planmyreturns.com/education-loan-calculator/): Use this free education loan calculator to find your monthly EMI, the interest that builds up during your moratorium period, your total interest cost, and a complete year wise repayment schedule. Built for Indian students and parents, it works for courses in India and abroad, supports any moratorium length, and estimates your Section 80E tax saving. No login, no data stored, everything runs in your browser. What This Education Loan Calculator Does An education loan calculator estimates your Equated Monthly Instalment (EMI) using your loan amount, interest rate and repayment tenure. This calculator goes further than a standard EMI tool. It […]
- [Business Loan Calculator](https://planmyreturns.com/business-loan-calculator/): Business Loan Calculator – EMI, Cash Flow & Risk Analysis The PlanMyReturns Business Loan Calculator helps business owners understand the true cost and impact of a business loan, not just the EMI. Along with EMI and interest, this calculator shows how a loan affects your monthly cash flow, risk level, tax benefits, and repayment sustainability over time. It is designed for founders, MSMEs, and growing businesses who want to borrow responsibly. What Is a Business Loan? A business loan is a credit facility taken to fund business needs such as expansion, working capital, inventory, equipment, or operational expenses. Unlike personal loans, […]
- [Loan Prepayment Calculator](https://planmyreturns.com/loan-prepayment-calculator/): What Is a Loan Prepayment Calculator? A loan prepayment calculator shows how much interest you save when you pay extra towards your loan principal. It also shows how many months you cut from your tenure. You enter your loan amount, interest rate, and tenure. You add one or more part payments. The tool instantly shows your revised tenure, total interest, total payable, and interest saved. This PlanMyReturns calculator is built for real borrowers. It handles multiple prepayments at different months. Most calculators handle only one. All calculations run privately in your browser. No sign-up. No data stored. What Is Loan Prepayment? […]
- [Personal Loan Calculator](https://planmyreturns.com/personal-loan-calculator/): What Is a Personal Loan Calculator? A personal loan calculator is a free online tool that shows your exact monthly EMI, total interest cost, and total repayment amount before you sign any loan agreement. You enter three details, the loan amount, interest rate, and tenure, and the calculator does the rest instantly. The PlanMyReturns personal loan calculator goes further than a basic EMI tool. It also shows how much interest you save with a lumpsum prepayment, checks loan affordability against your monthly income using the debt-to-income (DTI) ratio, and generates a complete month by month repayment schedule that you can download […]
- [Car Loan Calculator](https://planmyreturns.com/car-loan-calculator/): Car Loan Calculator – Calculate EMI, Interest & Total Cost The PlanMyReturns Car Loan Calculator helps you understand the true cost of your car loan before you commit. Instead of just showing EMI, this calculator answers what most people actually want to know: This tool is designed for decision clarity, not guesswork. What Is a Car Loan? A car loan is a secured loan taken to purchase a new or used vehicle. The car itself usually acts as collateral, which is why interest rates are generally lower than personal loans. Car loans in India are typically offered with: What This Car […]
- [Home Loan EMI Calculator](https://planmyreturns.com/home-loan-emi-calculator/): Buying a home is the biggest financial commitment most people make in India. A home loan spreads that cost over 15 to 30 years, and your EMI is what you actually live with every month. This home loan EMI calculator shows your exact monthly EMI, the total interest you will pay, and the full amount payable over the loan tenure. It does more than a standard calculator. With the Smart Saver options you can simulate repo rate cuts, extra EMIs, annual EMI step-ups and lump-sum prepayments, then see how much interest and how many years you save. Every calculation runs privately […]
- [EPF Calculator](https://planmyreturns.com/epf-calculator/): What Is the EPF Calculator and How Does It Work? The Employees’ Provident Fund (EPF) is India’s largest retirement savings scheme for salaried employees, managed by the Employees’ Provident Fund Organisation (EPFO) under the Ministry of Labour and Employment. Every month, you contribute 12% of your basic salary plus dearness allowance, and your employer matches it with another 12%. This EPF calculator projects your provident fund corpus at retirement. It accounts for the details most people miss: the EPS pension diversion from your employer’s share, monthly interest accrual, optional VPF contributions, annual salary hikes, and inflation. Everything runs in your browser. […]
- [RD Calculator](https://planmyreturns.com/rd-calculator/): Recurring Deposit Calculator – Calculate RD Maturity & Interest The PlanMyReturns Recurring Deposit (RD) Calculator helps you calculate how much your monthly RD investment will grow over time, including total interest earned, maturity value, inflation-adjusted value, and post-tax returns. It is designed for people who want clarity before starting an RD, not rough estimates. What Is a Recurring Deposit (RD)? A Recurring Deposit (RD) is a fixed-income investment where you deposit a fixed amount every month for a chosen period and earn interest on each deposit until maturity. RDs are commonly offered by: They are widely used for short- to medium-term […]
- [FD Calculator](https://planmyreturns.com/fd-calculator/): FD Calculator – Calculate Fixed Deposit Maturity & Interest The PlanMyReturns FD Calculator helps you calculate the maturity value, interest earned, and payout income from a fixed deposit based on bank interest rates, tenure, payout option, and senior citizen benefits. This calculator is built for people who want clarity before booking an FD, not rough estimates. What Is a Fixed Deposit (FD)? A Fixed Deposit (FD) is a low-risk investment where you deposit a lump sum with a bank or post office for a fixed period at a predetermined interest rate. At the end of the tenure, you receive: FDs are […]
- [Lumpsum Calculator](https://planmyreturns.com/lumpsum-calculator/): What Is a Lumpsum Investment? A lumpsum investment is a single amount put in at one time, instead of small amounts spread across months. If you put ₹2 lakh into a mutual fund in one shot, that is lumpsum. If you put ₹5,000 every month, that is a SIP. People usually invest lumpsum when they get a bonus, sell a property, receive maturity from an old policy, or simply have idle cash sitting in a savings account earning 3%. What the PlanMyReturns Lumpsum Calculator Does Enter three numbers and you get the full picture instantly. The calculator shows: Extra controls most […]
- [SIP Calculator](https://planmyreturns.com/sip-calculator/): Use the PlanMyReturns SIP Calculator Enter your monthly investment, expected return rate, and duration to see your total corpus, a year-wise breakdown, and the difference a step-up SIP makes. Everything runs in your browser. No sign-up, nothing stored. What Is a SIP Calculator? A SIP calculator is a free online tool that estimates how much your monthly mutual fund investment will grow over a chosen period. You enter three inputs: your monthly amount, expected annual return, and duration. It returns your projected corpus, the total you invested, and the estimated returns earned. The PlanMyReturns SIP calculator goes further than a basic […]
- [SSY Calculator](https://planmyreturns.com/ssy-calculator/): SSY Calculator – Sukanya Samriddhi Yojana Maturity Calculator The PlanMyReturns SSY Calculator helps parents estimate the maturity value of Sukanya Samriddhi Yojana (SSY) based on how much they invest, for how long, and at the prevailing interest rate. It shows: This calculator follows official SSY rules and limits and is built for realistic planning, not assumptions. What Is Sukanya Samriddhi Yojana (SSY)? Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme launched under the Beti Bachao, Beti Padhao initiative to encourage long-term savings for a girl child’s education and marriage. When Was SSY Introduced? SSY was launched in 2015 by the […]
- [NPS Calculator](https://planmyreturns.com/nps-calculator/): What the PlanMyReturns NPS Calculator Does This tool estimates three numbers that matter for retirement: your total corpus at age 60, the lump sum you can take in cash, and the monthly pension your annuity will pay. You enter your date of birth, contribution, expected return, and annuity rate. The calculator handles the rest, including how many years you have left until 60 and how your money compounds each year. Every calculation runs inside your browser. Nothing is sent to a server, and there is no sign-up. Features built into this calculator What Is the National Pension System (NPS)? NPS is […]
- [PPF Calculator](https://planmyreturns.com/ppf-calculator/): What the PlanMyReturns PPF Calculator Does This calculator shows what your Public Provident Fund will be worth at maturity, how much of that is interest, and what you can borrow or withdraw in each year along the way. Enter your deposit, tenure, and interest rate. You get: Most PPF calculators stop at the maturity number. This one shows the loan and withdrawal limits per year and lets you model deposits that rise, fall, or change every year. What Is PPF (Public Provident Fund)? PPF is a 15-year, government-backed savings scheme that pays a fixed, tax-free rate of interest. The Government of […]
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- [Privacy Policy](https://planmyreturns.com/privacy-policy/): Privacy Policy Your privacy matters to us. This Privacy Policy explains what information PlanMyReturns collects, how we use it, and the choices you have. By using our website and calculators, you agree to the practices described below. Last updated: 15 July 2026 1. Introduction PlanMyReturns (“we”, “us”, or “our”) operates the website https://planmyreturns.com, which provides free online financial calculators and educational content. This policy applies to all visitors and users of our website. Our calculators are designed to work privately. The figures you enter into any calculator are processed directly in your browser and are not sent to or stored on […]

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