Financial Guides
Master loans, investing, taxes and personal finance with practical guides designed for beginners and professionals.
14 min read
CTC to In-Hand Salary: How to Read an Offer and Compare Two Job Offers
How CTC breaks down into gross and net salary, why basic, HRA, PF and gratuity aren't take-home pay, and how to compare two job offers by actual in-hand rather than headline CTC.
In Hand Salary Calculator: CTC, Deductions, and Old vs New Regime
How an in hand salary calculator works: the difference between CTC, gross and net salary, what gets deducted, state-wise professional tax, and how regime choice changes take-home pay.
13 min read
EPF Pension Calculator: How EPS Pension Is Actually Worked Out
Learn how the EPF pension calculator works, the EPS formula EPFO uses, minimum service rules, the salary cap, and early vs full pension at 58.
10 min read
EPF Calculator: How Your PF Contribution, Interest, and Withdrawal Rules Work
Learn how EPF contribution, interest, and withdrawal tax rules work, with worked examples for ₹25,000 and ₹50,000 basic salaries over 10, 20, and 30 years.
13 min read
NPS Tax Benefits: Section 80CCD(1), 80CCD(1B) and 80CCD(2) Explained
NPS offers three separate tax deductions under Section 80CCD worth up to ₹2 lakh a year. See how each one works, and which still apply under the new tax regime.
13 min read
Post Office PPF Calculator (2026): Calculate Maturity + Account Rules
Calculate your Post Office PPF maturity amount at the current 7.1% rate, then see how the account differs from a bank PPF: opening process, transfer rules, and which suits you better.
8 min read
PPF Calculator Chart 2026: Year-Wise Maturity Table at 7.1%
PPF interest rate is 7.1% for Jul-Sep 2026. See the year-wise PPF maturity chart for ₹50,000, ₹1,00,000 and ₹1,50,000 yearly deposits, plus the 15-year lock-in and extension rules.
7 min read
Personal Loan Interest Rates 2026: What Determines Your Rate
See how personal loan interest rates work in 2026: typical bank and NBFC ranges, how the rate is quoted (per annum vs per month), and what actually moves your offer.
8 min read
Personal Loan Prepayment Calculator: How Much Interest You Actually Save
Use a personal loan prepayment calculator to see how part-payments and early closure cut your interest. Worked ₹5 lakh example, charges, and prepay-vs-invest math inside.
9 min read
How to Use the SSY Calculator (Step-by-Step)
A plain walkthrough of CalcMint's SSY calculator: what to enter, how to read the year-wise table, and the input mistakes that most often skew the result.
6 min read
Sukanya Samriddhi Yojana Maturity Rules: What Happens at 21 Years
How SSY account maturity works after 21 years, what happens to deposits and interest before then, and the specific conditions under which the account can be closed early.
8 min read
How to Add GST to an Invoice Amount (Freelancers & Small Businesses)
A practical guide for freelancers and small businesses on how to add GST to an invoice amount, structure CGST/SGST or IGST, and avoid common invoicing mistakes.
7 min read
How to Calculate GST From a Total Amount (Reverse GST Formula)
Learn how to calculate GST from total amount using the reverse GST formula, with worked examples for pulling the base price and tax out of a GST-inclusive total.
6 min read
CGST and SGST Calculator: How GST Splits Between Center and State
Understand how a cgst and sgst calculator works, when GST splits into CGST and SGST versus IGST, and how to calculate each component from a single GST figure.
6 min read
GST Calculator Online: How to Add or Remove GST in Three Steps
A short walkthrough for using an online GST calculator to add GST to a base price or remove it from a GST-inclusive total, with worked examples.
4 min read
How to Calculate GST Amount: Formula, Slabs, and Common Mistakes
Learn how to calculate GST amount separately from the final price, with a slab-wise reference table and the mistakes that most often produce wrong figures.
7 min read
GST Calculation Formula: How to Work Out GST on Any Price
Learn the exact GST calculation formula, with worked examples across current GST slabs, plus a quick reference table for common amounts.
7 min read
NPS Calculator Guide: How Your Pension Corpus and Annuity Are Calculated
See how an NPS calculator projects your retirement corpus, current annuity and withdrawal rules, Tier I vs Tier II differences, and NPS asset allocation limits.
11 min read
Sukanya Samriddhi Yojana Chart 2026: 8.2% Interest & Maturity Table
SSY interest rate is 8.2% for Jul-Sep 2026. See the year-wise Sukanya Samriddhi maturity chart for ₹1,000, ₹5,000 and ₹12,500 monthly deposits, plus eligibility and default rules.
11 min read
Sukanya Samriddhi Yojana Calculator: How the Maturity Amount Is Worked Out
A plain-language guide to using a Sukanya Samriddhi Yojana calculator, covering eligibility, deposit limits, tax rules, and worked maturity examples.
12 min read
NPS vs PPF vs Sukanya Samriddhi: Which Should You Pick First?
A plain-language comparison of PPF, NPS and Sukanya Samriddhi on returns, lock-in periods and tax rules, with a worked ₹1 lakh/year example over 15 years.
12 min read
PPF Calculator: How PPF Maturity, Interest and Tax Rules Actually Work
A plain guide to using a PPF calculator: how annual compounding works, the 15-year lock-in, EEE tax treatment, and the rules for withdrawals and loans.
13 min read
Car EMI: How to Calculate Your Monthly Car Loan Payment
See how car EMI is worked out for hatchbacks and SUVs, how on-road price changes your loan amount, and how bank interest rates compare in India.
14 min read
Car Loan EMI Calculator: How Your Monthly Payment Is Really Worked Out
See exactly how a car loan EMI calculator arrives at your monthly payment, how new vs used car rates differ, and how down payment and tenure change your total cost.
10 min read
Personal Loan EMI Calculator: How EMI, Interest and Fees Actually Work
Understand how personal loan EMI is calculated, why interest rates run higher than home loans, and how tenure and processing fees change your total cost.
14 min read
Gratuity Rule in India: Eligibility, Ceiling and Calculation Explained
A plain-language breakdown of the gratuity rule under Indian law - who qualifies, how the amount is calculated, the current tax-free ceiling, and recent labour code changes.
14 min read
Gratuity Calculator: Formula, Eligibility and Tax Rules Explained
Work out your gratuity amount with the exact 15/26 formula, check if you qualify, and see how much of it is tax-free. Includes worked examples.
10 min read
HRA Calculator: How to Calculate HRA Exemption Under Section 10(13A)
Work out your HRA exemption using the three-condition formula under Section 10(13A), see how metro and non-metro rates differ, and check if the new regime affects you.
13 min read
HRA Tax Exemption: Family Rent, No-HRA Salaries, and Common Mistakes
A plain look at HRA tax exemption edge cases: renting from parents, claiming without an HRA salary component, the PAN rule above ₹1 lakh, and mistakes that draw IT notices.
13 min read
Post Office RD Calculator: Rates, Rules, and How It Compares to a Bank RD
A plain-English guide to the post office RD calculator: current interest rates, a full bank RD comparison, and Kisan Vikas Patra as an alternative option.
13 min read
RD Calculator: How Recurring Deposit Maturity Is Actually Calculated
Learn how an RD calculator works, the exact maturity formula banks use, and how your monthly deposits in SBI, HDFC, or Post Office RDs actually grow over time.
13 min read
GST Rates 2026: The New Slabs, What Changed, and What It Costs You
A plain-language breakdown of GST rates 2026 after the GST 2.0 reform: the new 5%/18%/40% slabs, what got cheaper or costlier, and what it means for you.
12 min read
GST Calculator Guide: How to Add, Remove, and Split GST Correctly
Learn how to add GST to a price, remove GST from an inclusive amount, split CGST/SGST/IGST, and handle TDS/TCS on GST with worked examples.
9 min read
FD vs RD: Which Deposit Actually Suits Your Savings Goal?
FD vs RD compared on returns, liquidity, and tax treatment, with a worked ₹5L FD vs ₹8,000/month RD example at 7% over 5 years.
8 min read
FD Calculator: How Fixed Deposit Maturity, Interest, and TDS Actually Work
Use an FD calculator to see how your fixed deposit grows. Real ₹1L/₹5L/₹10L worked examples covering maturity math, TDS, and compounding frequency.
12 min read
Home Loan Prepayment Calculator: How Much Interest Can You Really Save?
Use a home loan prepayment calculator to see how part-payments cut your interest and tenure. Worked ₹40L example, charges, and prepay-vs-invest math inside.
11 min read
Step-Up SIP Calculator: How a Rising SIP Beats a Flat One
A step-up SIP increases your monthly investment every year. See the formula, an inflation-adjusted example, and a worked ₹5,000 SIP with 10% step-up.
15 min read
SIP Calculator: How SIP Returns, Inflation, and Goals Work
Learn how a SIP calculator works, how inflation and XIRR affect your real returns, and how to size your monthly SIP for a financial goal.
12 min read
SIP vs Lumpsum: Which Investment Method Wins
SIP vs lumpsum compared with real numbers. See when each method works better, plus a worked ₹5L lumpsum vs ₹10,000/month SIP example over 10 years.
13 min read
EMI Calculator with Prepayment: How Extra Payments Cut Your Loan Cost
Use an EMI prepayment calculator to see how paying extra toward your loan reduces interest. Real worked numbers for home, car, and personal loans.
12 min read
What is Compound Interest? How Your Money Grows Over Time
Compound interest is interest earned on interest. Learn the formula, see real worked examples, and find out why time matters more than rate.
7 min read
What is EMI? A Simple Guide to Equated Monthly Instalments
Learn what EMI means, how it's calculated with a real formula and worked example, and what factors change your monthly loan payment.
7 min read
How Inflation Affects Your Money and What You Can Do About It
Learn what inflation is, why prices rise over time, how it impacts your savings and investments, and practical strategies to protect your purchasing power.
5 min read