Sheet 00 · finance.oriz.in · India personal-finance
The math,
plotted.
28 personal-finance calculators for India — SIP, EMI, FIRE, FD, PPF, NPS, HRA, TDS, take-home. Each one draws the result on graph paper as you type. No sign-up, no advisor pitch, no numbers leaving your device.
FIG. 1 — SIP CORPUS vs TIME
Plotted in your browser. Nothing typed here leaves the page.
Bill of materials
1/28 parts drawn
SH-01 Investments
- 1.01 SIP Future value of a monthly SIP live
- 1.02 Lumpsum One-time investment compounded soon
- 1.03 Step-up SIP SIP with annual % escalation soon
- 1.04 SWP Systematic withdrawal — corpus depletion soon
- 1.05 CAGR / XIRR Annualised return on irregular flows soon
- 1.06 Goal planner Monthly SIP needed to reach a target soon
- 1.07 FIRE Years to financial independence soon
SH-02 Loans & EMI
- 2.01 Home loan EMI Amortising EMI + total interest soon
- 2.02 Car loan EMI on auto financing soon
- 2.03 Personal loan EMI on unsecured borrowing soon
- 2.04 Prepayment impact Interest saved by part-payments soon
- 2.05 Loan comparison Two loans, side-by-side cost soon
- 2.06 Eligibility / FOIR Max loan from income + obligations soon
SH-03 Banking & savings
- 3.01 FD Fixed deposit maturity + interest soon
- 3.02 RD Recurring deposit maturity soon
- 3.03 PPF 15-year PPF corpus + interest soon
- 3.04 NPS Tier-I corpus, annuity, lump-sum soon
- 3.05 NSC National Savings Certificate maturity soon
- 3.06 SSY Sukanya Samriddhi Yojana corpus soon
- 3.07 Compound interest Generic compounding at any cadence soon
- 3.08 Savings goal Months to save a target amount soon
SH-04 Tax & salary
- 4.01 Take-home (CTC → in-hand) Annual CTC to monthly take-home soon
- 4.02 TDS TDS on salary by regime + slab soon
- 4.03 HRA exemption Section 10(13A) exempt portion soon
- 4.04 Gratuity Payable on 5+ years of service soon
- 4.05 Leave encashment On retirement / resignation soon
- 4.06 GST Inclusive / exclusive GST split soon
- 4.07 Income tax Old regime vs new regime liability soon
Drawing notes
Every calculator computes in your browser — the formula, the year-by-year breakdown, the plotted curve, all of it client-side. Inputs never leave your device. Sign-in is optional and only unlocks saving a scenario to re-open on another device; it works across every oriz site.
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