How We Calculate
Formulas Used
Our calculators use standard financial formulas: compound interest for SIP and PPF, standard EMI formula for loan repayments, present value and future value math for retirement and FD calculations, and statutory formulas for gratuity and HRA where applicable. Each calculator page contains a detailed formula section showing the equation and variables.
Assumptions
We make clear assumptions for periods, compounding frequency, tax treatment, and rounding. Examples and default values are illustrative and may not reflect individual product terms. Users should verify rates and taxes for their situation.
Limitations
Calculators provide estimates only. They do not account for every corner-case (e.g., complex employer-specific allowances, retroactive tax adjustments, bank-specific penalty calculations). We list limitations on each calculator where they apply.