12 new free tools added — NPS, Sukanya Samriddhi, Advance Tax, XIRR & more

Quick summary: we shipped 12 new tools today — most of them in Finance and Tax. They cover pension planning (NPS), small-savings schemes (Sukanya Samriddhi, NSC, SCSS), real-world tax calculations (Advance Tax with 234B/234C, TDS on Property under 194-IA, TCS on Foreign Remittance under LRS), portfolio math (XIRR, CAGR, Net Worth, Loan Prepayment savings), and a privacy-friendly UPI QR generator that runs entirely in your browser.

We've also queued up another 68 tools as "coming soon" on the homepage — covering KVP, APY, MIS, SWP, electricity bill, FASTag toll, JEE/NEET rank predictors, Udyam MSME eligibility, and more. They'll roll out in waves over the coming weeks.

Finance tools

NPS Calculator

Project your Tier-I corpus at age 60 with realistic split: at least 40% must go into an annuity, the rest can be withdrawn as a tax-free lump sum (up to 60%). The tool shows the monthly pension that follows from the annuity portion plus the extra ₹50,000 deduction under 80CCD(1B) — capped, but worth ~₹15,600/yr at the 30% marginal rate.

Sukanya Samriddhi Calculator

The girl-child savings scheme: deposits in years 1–15, the corpus then compounds for 6 more years, and matures at year 21. Current rate 8.2% p.a. — currently the highest small-savings rate. Fully tax-free (EEE).

NSC Calculator

5-year National Savings Certificate at 7.7% with annual compounding. Reinvested interest also qualifies for 80C in years 1–4. Maturity year interest is fully taxable.

SCSS Calculator

Senior Citizen Savings Scheme — 5-year tenure, 8.2% p.a. paid quarterly, max ₹30 lakh deposit (raised from ₹15L in Apr 2023). 10% TDS triggers if annual interest crosses ₹50,000.

XIRR Calculator

The right way to measure mutual fund returns when you've made irregular investments. Paste your CAS cashflows (negative for SIP/lumpsum, positive for redemption / current value) — we solve for the rate that makes NPV zero. Same as Excel XIRR.

CAGR Calculator

Compound Annual Growth Rate from start, end and tenure. Plus: time-to-double estimate at the same rate.

Net Worth Calculator

Indian asset classes baked in — PPF, EPF, NPS, mutual funds, gold (physical + SGB), real estate at current market value, vehicles. Plus the standard liabilities. Shows your asset mix and a liquidity ratio.

Loan Prepayment Calculator

See how a one-time lumpsum or an extra monthly payment changes the math. Earlier prepayments save more interest, because more of the early EMI goes to interest. RBI rule: no prepayment penalty on floating-rate home loans for individuals.

Tax tools

Advance Tax Calculator

If your net tax liability after TDS is ≥ ₹10,000, advance tax is mandatory. The schedule is 15% / 45% / 75% / 100% by Jun 15 / Sep 15 / Dec 15 / Mar 15. Miss it and 234C interest kicks in (1% per month × 3 months on each shortfall, 1 month for Q4). If you pay less than 90% by Mar 31, 234B runs at 1%/month from Apr 1 until you finally pay (typically at ITR filing).

TDS on Property (194-IA)

Buying property worth ₹50 lakh or more? You (the buyer) must deduct 1% TDS from each payment to the seller, deposit it via Form 26QB within 30 days, and issue Form 16B. Multi-buyer / multi-seller scenarios need a separate 26QB per buyer-seller pair. Post-Oct 2024: TDS is on the higher of sale consideration and stamp duty value.

TCS on Foreign Remittance (LRS)

Rates from Oct 2023 — 20% on overseas investment / gift / other (above ₹7L), 5% on tour packages above the first ₹7L (per FY), 5% on self-funded education and medical (above ₹7L), and just 0.5% if education is funded via an Indian education loan. TCS is refundable — claim as credit in your ITR.

Daily tool

UPI QR Generator

Builds a NPCI/BHIM-spec UPI QR. Enter your VPA, payee name, optional amount and note — we generate the upi://pay deep link and render the QR in your browser. Download as PNG, or open the link directly in a UPI app from your phone.

What's coming next

The 68 tools queued up include — among others — KVP, Atal Pension Yojana, Post Office MIS, Loan Eligibility (FOIR-based), Credit Card Min Payment Trap, Bonus / ESOP tax, 80C Optimizer, FASTag Toll, Petrol/Diesel by city, JEE Main / NEET / CAT predictors, Udyam MSME eligibility, salary slip / experience letter generators, electricity bill by state, and more.

If there's one you specifically want next, the homepage now lists every "coming soon" tool right alongside the live ones. We'll prioritise based on what people click.

FAQ

Q. Does any of this require sign-up or send my data anywhere? A. No. Every tool runs entirely in your browser. The UPI QR is generated locally — your VPA, amount and note never leave your device.

Q. Are the tax formulas verified? A. Yes, against the IT Act sections cited and current rates. Where rates change quarterly (small-savings) or by Budget cycle, we surface the rate as a slider so you can override if a future revision drops.

Q. Can I embed these on my own site? A. Not yet — but it's on the roadmap. Direct deep-links to each tool work fine for sharing.

Q. Where do I report a bug? A. The site is open source — file an issue on GitHub. Calculation bugs get patched same day.