Personal Finance India — SIP, Tax, Govt Schemes Made Simple
Free SIP calculators, Budget 2026 tax changes, government schemes, and money tips in plain language. Build wealth step-by-step with Priyanka.
Free Finance Calculators (India)
SIP Calculator India
Forward, Reverse & Step-Up SIP — find how much to invest or how much you will get, with year-by-year growth.
Income Tax Calculator 2026
Compare Old vs New tax regime instantly with Budget 2026 slabs and know exactly how much tax you will pay.
Retirement Calculator
Plan your retirement corpus in India accounting for inflation, PPF, NPS, and mutual fund returns.
Goal Savings Planner
Plan for your child's education, home down-payment, car or dream vacation with goal-based investing.
EMI Calculator
Calculate monthly EMI for home loan, car loan & personal loan. See amortization schedule & prepayment savings.
FD Calculator
Calculate fixed deposit maturity amount, interest earned & TDS impact. Compare top bank FD rates India 2026.
PPF Calculator
Calculate PPF maturity amount with step-up SIP. See year-by-year growth, tax-free returns & extension benefits.
NPS Calculator
Calculate NPS corpus, monthly pension & lump sum at retirement. See tax benefits under 80CCD & asset allocation.
Lumpsum Calculator
Calculate one-time mutual fund investment returns. Compare lumpsum vs SIP & see year-by-year growth.
HRA Calculator
Calculate HRA exemption under Section 10(13A). See all 3 rules, taxable HRA & annual tax savings.
Gratuity Calculator
Calculate gratuity amount under Payment of Gratuity Act. See tax-exempt limit & effective payout.
TDS Calculator
Calculate TDS on salary, FD interest, rent, property sale & professional fees. Know exact deduction & net amount.
Advance Tax Calculator
Calculate quarterly advance tax installments, TDS credit, Section 234B/234C interest & net tax payable.
Salary Calculator
CTC to take-home salary breakup — see Basic, HRA, PF, Gratuity, Professional Tax & income tax deductions.
Buy vs Rent Calculator
Should you buy or rent? Compare total cost of home purchase vs renting + investing over 10–30 years.
Latest Government Schemes (2026)
PM Awas Yojana
Housing subsidy for urban and rural India — up to ₹2.67 lakh interest subsidy on home loans.
Sukanya Samriddhi Yojana
Best small savings scheme for girl child — 8.2% interest, 80C tax benefit, completely tax-free.
Atal Pension Yojana
Guaranteed pension of ₹1,000–₹5,000 per month after 60, for unorganised sector workers.
Ayushman Bharat (PMJAY)
Free health cover of ₹5 lakh per family per year at 27,000+ empanelled hospitals.
Insurance Guide — Protect What Matters
Term Life Insurance
Best term insurance plans 2026, how to choose cover amount, top insurers by claim ratio.
Health Insurance
Family floater vs individual, cashless network, waiting periods & top health plans 2026.
Car & Bike Insurance
Third-party vs comprehensive, IDV, NCB, add-ons & renewal tips for motor insurance.
Claim Settlement Ratio
IRDAI claim settlement data for top 20+ life & health insurers — updated 2026.
Credit & Loans — Borrow Wisely
CIBIL Score Guide
Check your CIBIL score free, understand 300-900 range & 7 proven tips to improve fast.
Best Credit Cards 2026
Top cashback, travel & rewards cards compared — fees, reward rates & lounge access.
Home Loan Guide
Eligibility, documents, fixed vs floating rate, PMAY subsidy & tax benefits explained.
Free Hotels & Flights
Earn & redeem credit card rewards for free hotel stays and airline tickets in India.
Mutual Funds Deep-Dive — Grow Your Wealth
What is Mutual Fund?
Complete beginner guide — how MFs work, types, NAV explained, SIP vs lumpsum, risks & taxation.
Direct vs Regular
Why direct plans save you ₹15-25 lakh over 20 years — expense ratio impact explained.
Best Mutual Funds 2026
Top large cap, mid cap, small cap, flexi cap & index funds with returns & expense ratios.
How to Start SIP
Step-by-step SIP setup on Groww, Zerodha & MFCentral — from KYC to first investment.
Fixed Income & Gold — Safe, Guaranteed Returns
Best FD Rates 2026
Bank-wise FD rate comparison — SBI, HDFC, ICICI, small finance banks & senior citizen rates.
Sovereign Gold Bond Guide
Gold returns + 2.5% interest + tax-free maturity — the smartest way to invest in gold.
Digital vs Physical vs ETF
Compare all gold investment options — safety, taxation, liquidity & which to choose.
Post Office Schemes
All 9 India Post schemes — NSC, KVP, MIS, PPF, SSY, SCSS with current rates.
Budget 2026 — Tax Changes Explained
Budget 2026 Overview
What changed in tax, who wins, who loses — in plain Hinglish.
New Tax Slabs 2026
Latest income tax slabs under new regime with real salary examples.
Old vs New Regime
Which regime is better for your salary in FY 2026-27? Side-by-side comparison.
Tax Saving Tips
10 legal ways to cut tax — 80C, 80D, NPS, HRA, home loan and more.
Why Priyanka Personal Finance?
Most finance content in India is written for people who already understand finance. We do the opposite — everything here is written for beginners, students, young earners, homemakers, and anyone starting out. No jargon, no hidden commissions, no product pushing. Just simple, unbiased, India-specific personal finance.
- India-specific — all examples in rupees, with Indian tax laws and real schemes.
- Calculator-first — don't just read, plug in your numbers and see results.
- FAQ on every page — so you never leave with a doubt.
- Free forever — no paywall, no sign-up, no lead-capture gimmicks.
Frequently Asked Questions
Is Priyanka Personal Finance free to use?
Yes. Every calculator, article, and government-scheme guide on this site is 100%% free and does not require sign-up.
Do you sell mutual funds or insurance?
No. We are a personal finance education platform. We do not sell any financial product and do not earn commissions. We always recommend speaking to a SEBI-registered investment advisor before investing.
Are the SIP and tax calculators accurate?
Our calculators use the same formulas used by AMCs, SEBI and the Income Tax Department. However, real returns depend on the fund you pick and market performance, so treat outputs as estimates.
Which is the best SIP plan for beginners in India?
For beginners we generally suggest a mix of one large-cap index fund plus one flexi-cap fund via monthly SIP for 10+ years. Use our SIP Calculator to see how much you will accumulate.
How do government schemes help the middle class?
Schemes like PM Awas Yojana, Sukanya Samriddhi and Atal Pension Yojana offer direct subsidies, high risk-free returns, and pension/health cover. See our full government schemes guide.