Inflation Calculator
Inflation Calculator
Calculate the impact of inflation on your current expenses and future goals.
Disclaimer
Past performance may or may not be sustained in future and is not a guarantee of any future returns.
These calculators are for illustration only and do not represent actual returns.
Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.
Buy a Car / Home Planner
Buy a Car / Home Planner
We often desire to have our own home and a nice car for our entire family. Planning for these goals becomes very important especially early in our careers so that we can be free from any outstanding loan amounts by the time we retire.
This tool can help you plan smartly for your purchase of any asset, be it home or car or any property in future.
Disclaimer
Past performance may or may not be sustained in future and is not a guarantee of any future returns.
Please note that these calculators are for illustrations only and do not represent actual returns.
Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Retirement Planning Calculator
Retirement Planning Calculator
Estimate your Retirement Corpus based on your expenses & the monthly investment required to achieve it.
Disclaimer
Past performance may or may not be sustained in future and is not a guarantee of any future returns.
Please note that these calculators are for illustrations only and do not represent actual returns.
Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return.
Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.
Step-Up SIP Calculator
Step Up SIP Calculator
Calculate your Step Up SIP returns with annual increments and watch your investments grow exponentially
Step Up SIP Details
Step Up SIP Analysis
Watch your investment blossom
In just 15 years, your initial investment of ₹ 57,19,047 could mature into an impressive ₹ 1,66,49,992.
Start your financial journey today and let your money grow towards a brighter future!
Total Interest
Invest Amount
Total Investment
Maturity Value
Step Up SIP Frequency Split Up
| Year | Annual Investment | Interest Earned | Cumulative Value |
|---|
Frequently Asked Questions
While you are entering the details a pie chart will be displayed that contains your profits, invested amount, and total investment.
Click here to start your Step Up SIP investment
Disclaimer
- Step Up SIP calculations are for illustration purposes only
- Actual returns may vary based on market conditions and fund performance
- Past performance is not indicative of future returns
- This calculator uses simplified assumptions for calculation
- Please consult with a financial advisor before making investment decisions
- Investments in mutual funds are subject to market risks, read all scheme related documents carefully
- Investment opportunities are provided through our partner platform
Accordion Heading
Accordion Content
Net Worth Calculator
Net Worth Calculator
Calculate your complete financial position by assessing all your assets and liabilities
Your Financial Position
Financial Assets
Liabilities
Your Net Worth Analysis
Financial Breakdown
Financial Health Assessment
Your financial health assessment will appear here after calculation
Frequently Asked Questions
Formula: Net Worth = Total Assets - Total Liabilities
- It provides a clear picture of your financial position
- Helps track your financial progress over time
- Identifies areas for financial improvement
- Assists in setting realistic financial goals
- Helps in making informed investment decisions
- Provides motivation for debt reduction and wealth building
Liquid Assets: Cash, savings accounts, checking accounts
Investment Assets: Stocks, bonds, mutual funds, ETFs
Retirement Accounts: 401(k), IRA, PPF, NPS
Real Estate: Primary residence, rental properties, land
Personal Property: Vehicles, jewelry, collectibles
Business Interests: Ownership in private businesses
Secured Loans: Mortgage, auto loans, home equity loans
Unsecured Loans: Personal loans, student loans
Credit Card Debt: All outstanding credit card balances
Other Debts: Medical bills, tax debts, money owed to individuals
Other Obligations: Alimony, child support, legal judgments
- Quarterly: For regular tracking and goal assessment
- Annually: For comprehensive financial review
- After Major Life Events: Marriage, job change, inheritance
- When Setting New Goals: Retirement planning, major purchases
Regular calculation helps you stay on track with your financial goals and make timely adjustments to your financial strategy.
Disclaimer
- Net worth calculations are for educational and informational purposes only
- Asset values should reflect current market prices, not purchase prices
- This calculator does not constitute financial advice
- Consult with a financial advisor for personalized financial planning
- Regularly update your financial information for accurate tracking
- Net worth is just one measure of financial health - consider other factors too
Asset Allocation Calculator
Asset Allocation Calculator
Find your ideal investment mix based on your age, risk appetite, and financial goals
Your Investment Profile
Your current Age (Years)
How much risk you can take?
Your investment Horizon (Years)
Do you know that mid & small caps generate better return in long term?
Recommended Asset Allocation
Based on your profile it is suggested to invest
Investment Strategy
Based on your medium risk profile and medium-term investment horizon, we recommend a balanced approach with slightly higher allocation to debt instruments for stability while maintaining growth potential through quality equity investments.
Frequently Asked Questions
- Manage investment risk according to your comfort level
- Diversify your portfolio across different asset classes
- Achieve your financial goals with appropriate risk-return balance
- Reduce volatility in your investment portfolio
- Align investments with your time horizon and objectives
21-30 years: Higher equity allocation (70-80%) as you have time to recover from market downturns
31-45 years: Balanced approach (60-70% equity) as financial responsibilities increase
46-60 years: Moderate equity exposure (40-50%) to preserve capital while growing wealth
60+ years: Higher debt allocation (60-70%) for capital preservation and regular income
Mid-Cap Stocks: Medium-sized companies (₹5,000-₹20,000 crores market cap) with higher growth potential but more volatility.
Small-Cap Stocks: Smaller companies (under ₹5,000 crores market cap) with highest growth potential but also highest risk and volatility.
- Annually: For routine portfolio rebalancing
- When your goals change: Marriage, children, retirement planning
- When your risk tolerance changes: Due to age or financial situation
- During major market movements: To maintain target allocation
- When tax laws change: That might affect your investment strategy
Disclaimer
- Asset allocation recommendations are for educational purposes only
- Actual investment decisions should be made in consultation with a financial advisor
- Past performance is not indicative of future returns
- Market investments are subject to risks, read all related documents carefully
- Asset allocation should be reviewed periodically based on changing market conditions
- Individual results may vary based on actual market performance
Exit Load Calculator
Exit Load Calculator
Calculate the exit fee charged when you withdraw your mutual fund investments before the lock-in period
Exit Load Details
Exit Load Analysis
Invested Amount
Units Purchased
Redemption Value
Exit Load
Amount Received
Net Gain/Loss
Investment Summary
Based on your inputs:
Even after paying exit load, your investment has generated positive returns!
Frequently Asked Questions
Disclaimer
- Exit load calculations are for illustration purposes only
- Actual exit load may vary based on the mutual fund scheme and AMC policies
- Exit load percentages are subject to change as per regulatory guidelines
- This calculator does not account for any capital gains tax or other charges
- Please verify with your mutual fund provider for exact exit load details
- Investments in mutual funds are subject to market risks, read all scheme related documents carefully
SIP Calculator
SIP Calculator
Calculate your potential returns from Systematic Investment Plans (SIPs) and plan your financial future
SIP Projection Results
Wealth Growth Visualization
Yearly Breakdown
Frequently Asked Questions
Disclaimer
- This SIP calculator provides estimated values based on the inputs provided
- Actual returns may vary from the calculated values due to market conditions
- Past performance is not indicative of future returns
- Mutual fund investments are subject to market risks
- Read all scheme related documents carefully before investing
- Consult with a financial advisor for personalized investment advice
Ultimate Wealth Status
Ultimate Wealth Status Calculator
Discover your true wealth status and get personalized investment advice to upgrade your financial life
Your Financial Details
What's your monthly income?
What % of income do you invest monthly?
Your investment approach?
Your investment knowledge?
Your current assets?
Your Wealth Analysis
Your Wealth Upgrade Plan
Current Status: Middle Class with balanced approach
To Reach Upper Middle Class: Increase investments to 25% of income, add stocks to portfolio
Recommended Allocation: 50% Equity, 30% Debt, 10% Gold, 10% Emergency Fund
Next Step: Start SIP in 2-3 equity mutual funds
Wealth Building Insights
| Wealth Level | Monthly Income | Typical Net Worth | Key Assets |
|---|---|---|---|
| Very Poor | Below ₹15,000 | Below ₹1 Lakh | Only Cash, No Investments |
| Poor | ₹15,000-₹30,000 | ₹1-5 Lakhs | Savings Account, Small FD |
| Middle Class | ₹30,000-₹1 Lakh | ₹5-50 Lakhs | FD, Mutual Funds, Some Gold |
| Upper Middle | ₹1-2 Lakhs | ₹50 Lakhs-₹2 Crore | Property, Stocks, Mutual Funds |
| Rich | ₹2-5 Lakhs | ₹2-10 Crore | Multiple Properties, Business, Stocks |
| Ultra Rich | Above ₹5 Lakhs | Above ₹10 Crore | Diverse Portfolio, International Assets |
Good for growth: 20-25% of income
Excellent for wealth building: 30%+ of income
Remember: If you invest only in FD/Savings, you'll stay in middle class. To become rich, you need equity exposure through stocks/mutual funds.
Upper Middle: Above + property, gold, multiple mutual funds, term insurance
Rich: Above + stocks, second property, business investments
Ultra Rich: Diversified portfolio including international assets
Disclaimer
- Wealth assessment is based on general financial patterns and should be used for educational purposes only
- Individual financial situations may vary based on location, expenses, and personal circumstances
- Investment recommendations are generic - consult a financial advisor for personalized advice
- All investments carry risk - past performance doesn't guarantee future returns
- Wealth building requires discipline, time, and consistent effort
Loan EMI Calculator
Advanced Loan EMI Calculator
Calculate EMI for any loan amount with complete customization options
Loan Details
Where:
P = Principal Loan Amount
r = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100)
n = Loan Tenure in Months
EMI Breakdown
Yearly Amortization Schedule
Frequently Asked Questions
- Loan Amount: ₹1,000 to ₹10 Crores
- Interest Rate: 1% to 20% per annum
- Tenure: 1 to 30 years OR 1 to 360 months
Disclaimer
- This EMI calculator provides estimated values based on the inputs provided
- Actual interest rates and EMI may vary based on lender policies and your credit profile
- Processing fees, prepayment charges, and other costs are not included in this calculation
- Interest rates may change during the loan tenure for floating rate loans
- Consult with your financial advisor before making any loan decisions
Child Education Planner
Education Planner Calculator
Plan your children's education expenses and calculate the required monthly savings
Child Education Details
Education Plan Results
| Parameter | Raju | Child 2 | Total |
|---|---|---|---|
| Amount at today's prices | ₹5,00,000 | ₹0 | ₹5,00,000 |
| Years until education | 13 years | 18 years | - |
| Expected inflation rate | 6% | 6% | - |
| Future cost (inflation adjusted) | ₹10,65,837 | ₹0 | ₹10,65,837 |
| Current savings | ₹10,000 | ₹0 | ₹10,000 |
| Monthly savings required | ₹4,363 | ₹0 | ₹4,363 |
Frequently Asked Questions
For example: ₹5,00,000 today at 6% inflation for 13 years becomes: ₹5,00,000 × (1.06)^13 = ₹10,65,837
- Start Early: The sooner you start, the less you need to save monthly
- SIP in Mutual Funds: Systematic Investment Plans offer disciplined investing
- Equity-oriented funds: Better returns over long term (10+ years)
- Diversify: Mix of equity and debt based on time horizon
- Review annually: Adjust your investments based on performance and changing costs
Disclaimer
- This education planner provides estimated values based on the inputs provided
- Actual education costs and inflation rates may vary
- Investment returns are not guaranteed and depend on market conditions
- Consult with a financial advisor for personalized education planning
- Consider additional costs like hostel fees, books, and other expenses
- Review your education plan annually and adjust as needed
Smart Investment Portfolio
Smart Investment Portfolio
Create a diversified investment portfolio and visualize your financial growth over time
Personal Information
Investment Portfolio Allocation
Disclaimer & Important Information
- This calculator provides projected values based on historical returns and assumed rates
- Actual investment returns may vary based on market conditions and fund performance
- Past performance is not indicative of future returns
- Investments in securities market are subject to market risks
- Please read all scheme related documents carefully before investing
- Consider consulting with a financial advisor for personalized investment advice
- Diversification does not ensure profit or protect against loss
Dividend Passive Income Tracker
💰 Vibuzone Passive Income Tracker
| Asset Name | Qty | Price (₹) | Dividend % | Annual Income (₹) |
|---|
Total Annual Income: ₹0
Monthly Passive Income: ₹0
Retirement Planning Calculator
Retirement Planning Calculator
Plan your retirement with SIP investments and visualize your financial future
Retirement Planning Inputs
Retirement Plan Summary
Pre-Retirement Cashflow
| Age | Monthly SIP | Yearly Investment | Fund Value |
|---|
Post-Retirement Cashflow
| Age | Monthly SWP | Yearly Withdrawal | Fund Value |
|---|
Disclaimer
- All calculations are for illustration purposes only
- Actual returns may vary based on market conditions
- This calculator assumes consistent returns which may not reflect actual market volatility
- Inflation is not accounted for in these calculations
- Please consult with a financial advisor before making investment decisions
- Past performance is not indicative of future results
FD vs Mutual Fund Analyzer
🪙 FD vs Mutual Fund Analyzer — Multi Investment
Compare SIP or Lump-Sum investments — clean, side-by-side view.
🏦 FD Total (after tax): ₹0
📈 MF Total (after tax): ₹0
💰 Difference: ₹0
Brown = FD • Gold = MF
© 2025 Vibuzone | Disclaimer: For visualisation purposes only — not investment advice.
Regular Income Calculator
💰 Vibuzone Regular Income Calculator
Plan tax-efficient monthly income from SIP or Lump Sum investments.
© 2025 Vibuzone | Disclaimer: Illustrative only — not investment advice.
Old vs New Tax Regime Calculator
Old vs New Tax Regime Calculator
Compare tax liabilities under both tax regimes and choose the best option for your financial situation
Basic Details
Deductions & Exemptions
Maximum limit: ₹1,50,000
Maximum limit: ₹50,000
Total Tax Payable For F.Y. 2025-26
Old Regime
New Regime
Your Savings
Calculate to see your tax savings
Details on Calculation
Tax Regime Recommendation
Calculate to see which tax regime is better for you
All You Need to Know About Old vs New Tax Regime
Understanding Old And New Tax Regimes
The Indian income tax system taxes individual taxpayers based on their income levels. The old regime has been around for many years, while starting from the financial year 2020-21, the approach to levying taxes has undergone significant changes.
Old Tax Regime: Under this system, individuals can reduce their taxable income through various deductions and exemptions. Deductions are available for investments in areas like provident fund, insurance premiums, health insurance and more. Tax rates are relatively higher under this tax regime but choosing this system helps lowering the overall taxable income using many deductions.
New Tax Regime: This system offers lower tax rates but extremely limited deductions and exemptions. The goal of the new system is to simplify taxes and reduce the overall tax burden. Individuals with fewer deductions and those who prefer a simpler tax structure may opt for this regime. People who choose this system won't qualify for many deductions available in the old regime.
Tax Rates Under Different Regimes
Old Tax Regime (FY 2025-26)
| Income Tax Slab | Age 0-59 Years | Age 60-79 Years | Age 80+ Years |
|---|---|---|---|
| ₹0 - ₹2.5 lakh | Nil | Nil | Nil |
| ₹2.5 lakh - ₹5 lakh | 5% | 5% | Nil |
| ₹5 lakh - ₹10 lakh | 20% | 20% | 20% |
| Above ₹10 lakh | 30% | 30% | 30% |
New Tax Regime (FY 2025-26)
| Income Tax Slab | Tax Rate |
|---|---|
| ₹0 - ₹4 lakh | Nil |
| ₹4 lakh - ₹8 lakh | 5% |
| ₹8 lakh - ₹12 lakh | 10% |
| ₹12 lakh - ₹16 lakh | 15% |
| ₹16 lakh - ₹20 lakh | 20% |
| ₹20 lakh - ₹24 lakh | 25% |
| Above ₹24 lakh | 30% |
Frequently Asked Questions
Old tax regime offers various deductions and exemptions that can reduce your taxable income, while the new regime has lower tax slab rates but doesn't allow most deductions available under the old regime.
The choice depends on your personal circumstances. If you have significant tax-saving investments, the old regime might be better. If you have fewer deductions, the new regime could save you more tax.
Yes, taxpayers can choose between regimes annually, except for those with business income who have specific switching rules.
Very few deductions are allowed, including employer NPS contributions, transport allowance for disabled individuals, and certain specific exemptions mentioned in the tax laws.
Disclaimer
This calculator is provided for the purpose of awareness and ease of calculation. It is not intended to provide any advice for your specific taxation requirements. For personalised tax-related queries, please consult your tax consultant or qualified financial advisor. The calculations are based on standard tax laws and may vary based on individual circumstances. Tax laws are subject to change.
NPS Calculator
NPS Calculator
Calculate & compare your National Pension System (NPS) investment corpus against various investment options, considering tax implications.
Investment Details
Investment Corpus Value at Age 60
NPS
Other Investment
Recommendation
Calculate to see which investment is better for you
Details on NPS Investment
Details on Other Investment
NPS Pension Details
Start Planning Your Retirement Today
Get personalized advice from our financial experts
Talk to a Financial AdvisorDisclaimer
This NPS calculator is provided for informational purposes and to facilitate calculations. It is not meant to serve as tax advice. Please be aware that the results of this calculator may not reflect actual returns and are provided for illustrative purposes only. For specific tax-related questions, please consult with your advisor. The calculations are based on standard assumptions and market conditions may vary.