Calculators – Venna Consultancy

Mutual Fund Calculators — Attractive & Clear

Fast access: SIP, Lumpsum, SWP, STP, Goal Planner, Delay Cost & Returns

Try tools

SIP Calculator

Monthly SIP

Enter monthly amount, tenure & expected return → get corpus, contribution, growth chart and year-wise breakup.

Contributions · Growth · Chart

Open SIP ↗

Lumpsum Calculator

One-time

Project a one-time investment to future value by selecting tenure & expected returns — see earnings & CAGR.

One-time · CAGR

Open Lumpsum ↗

SWP Calculator

Withdrawals

Simulate periodic withdrawals and check corpus sustainability with assumed return rates — monthly/quarterly options.

Withdraw · Corpus health

Open SWP ↗

STP Calculator

Transfers

Model periodic transfers between funds and see how they change overall returns — great for rebalancing strategies.

Transfer · Rebalance

Open STP ↗

Goal Planning

Targets

Set target amount & date (education/house/retirement) → get required monthly SIP / lumpsum to hit the goal.

Target · SIP required

Open Planner ↗

Delay Cost

Start early

Compare starting today vs later — quickly show lost corpus and extra SIP needed when you delay investments.

Cost of delay · Save early

Open Delay Cost ↗

Mutual Fund Returns

CAGR · XIRR

Calculate CAGR, XIRR & annualised returns for single & multi-period investments — export or copy results.

Performance · XIRR · CAGR

Open Returns ↗

Insurance Calculators — Quick Instructions

Life, Term, Health, Motor, ULIP & Retirement

Life Insurance (HLV)

Policy amount estimate — మీ కుటుంబానికి అవసరమైన cover.

Enter income, age, dependents.
Add liabilities & future goals.
Result: suggested policy cover.

HLV · Cover Guide

Open HLV

Term Insurance Premium

Age, sum assured, tenure → premium.

Enter age & coverage amount.
Choose policy term & riders.
Premium shows instantly.

Open Term

Health Insurance Premium

Individual / Family premium estimate.

Enter member ages.
Select sum insured.
Premium auto-calculated.

Open Health

Motor Insurance

Car / Bike premium + IDV.

Enter vehicle details.
Select zero-dep / add-ons.
Premium visible instantly.

Open Motor

ULIP Calculator

Investment + Insurance breakdown.

Enter premium & term.
Add fund return %.
See projected fund value.

Open ULIP

Retirement Pension

Future monthly pension estimate.

Enter retirement age.
Enter monthly needs.
See required corpus.

Open Pension

Real Estate Calculators — Organized & Attractive

Home loan, valuation, rent yield, stamp duty & affordability — quick guides

Try tools

Home Loan EMI Calculator

EMI, interest outflow & total payment calculation — నెలకు ಕಟ್ಟే EMI, మొత్తం వడ్డీ తెలుసుకోండి.

Enter loan amount, rate (%) & tenure (yrs).
Result: monthly EMI, total interest & total payment.
Use for planning EMI burden (EMI బరువు)

EMI · Interest · Total

Open EMI Calculator

Home Loan Eligibility

Income-based eligibility — మీ ఆదాయంతో ఎంత లోన్ రాకొచ్చుతుందో తెలుసుకోండి.

Enter monthly income and existing EMIs.
Bank rules: % of income considered for EMI.
Result: maximum eligible loan amount.

Open Eligibility

Property Valuation Calculator

Market price estimate — Area × Rate method (మరార్కెట్ విలువ అంచనా).

Enter area (sq ft / sq yd) and rate per unit.
Add parking / floor premium if any.
Result: estimated market value.

Area × Rate

Open Valuation

Rental Yield Calculator

Return % = (Annual Rent / Property Value) × 100 — ప్రతి సంవత్సరం వచ్చే rent proportion.

Enter monthly rent and property value.
Annual rent = monthly × 12; result as %.
Useful for buy vs rent decisions.

Yield % · Rent vs Price

Open Rental Yield

Stamp Duty & Registration Calculator

State-wise estimate — stamp duty % varies by state; calculate charges (ద్రవ్య పరిమాణం).

Enter property value & select state.
Includes registration and transfer charges (if applicable).
Result: stamp duty & registration payable.

State-wise · Stamp & Reg

Open Stamp Duty

Affordability Calculator

Max house price based on income — మీ ఆదాయాన్ని బట్టి ఆపడానికి సరిపడే property.

Enter net income, existing obligations & preferred EMI %.
Bank rules determine EMI to income ratio.
Result: approximate max property price you can afford.

Income · Max Price

Open Affordability

Property ROI — Buy vs Rent

Compare owning vs renting: total cost, annualised ROI, breakeven year — కొనడం vs అద్దెకొట్టడం ఏది Value ఇస్తుందో తెలుసుకోండి.

Annual Rent ↔ Price

Net Yield %

Breakeven Year

Property ROI • Buy vs Rent

Open Property ROI

Taxes & Compliance — Quick Tools

Income tax, TDS, Capital gains, GST, Property tax — quick calculators

Use tools

Income Tax Calculator (Individual)

Slab-wise tax, rebate, cess & surcharge – input taxable income and applicable deductions.

Enter annual taxable income & choose tax regime.
Apply deductions (80C, 80D etc.) and rebates.
Result shows tax slab breakup, cess & surcharge.

Slabs · Rebate · Cess

Open Income Tax

TDS Calculator

Estimate TDS for salary / contractor payments.

Choose type: Salary / Contractor / Professional.
Enter payment amount & applicable exemptions.
See TDS amount and payable frequency.

TDS · Withholding

Open TDS

Capital Gains Tax Calculator

Short-term / Long-term for equity, debt & property — enter buy/sell dates & prices.

Select asset type: Equity / Debt / Property.
Enter purchase & sale dates + cost & expenses.
See STCG/LTCG tax and applicable indexation.

STCG · LTCG · Indexation

Open Capital Gains

GST Calculator

CGST/SGST/IGST breakup, reverse charge & tax on invoice value.

Enter taxable value & choose GST %.
Auto-split: CGST+SGST or single IGST.
Supports reverse charge & inclusive/exclusive modes.

CGST · SGST · IGST

Open GST

Property Tax Calculator

Estimate municipal property tax (local rules vary) — enter area & rate.

Enter property area & base tax rate per unit.
Apply rebates, occupancy & usage multipliers.
Result: annual property tax estimate.

Municipal · Annual

Open Property Tax

Investments & Markets — Calculators

XIRR, Portfolio, Expense impact, Risk/Reward, SIP step-up, Lump-sum vs SIP, Inflation, Gold/Silver, Currency

Open tools

XIRR / IRR Calculator

Handles irregular cashflows — use dates & amounts to compute XIRR (returns with uneven flows).

Enter flows with dates — investments and withdrawals.
Result: XIRR (annualised) & IRR where applicable.
Useful for multiple deposits/withdrawals.

XIRR · IRR

Open XIRR Calculator

Portfolio Returns & Allocation

Enter allocation % across funds/assets — get weighted returns and allocation breakdown.

Specify weights (%) and individual returns.
See portfolio return (weighted) and contribution per asset.
Great for rebalancing checks.

Open Portfolio Calc

Expense Ratio Impact

See how fund expense ratio lowers net returns over time.

Enter gross return & expense ratio.
Result: net return & cumulative difference over tenure.

Open Expense Impact

Risk & Reward (Sharpe Ratio)

Basic risk-adjusted returns — input return, risk-free rate & SD.

Enter portfolio return, risk-free rate & standard deviation.
Get Sharpe ratio and interpretation (higher = better).

Open Sharpe Ratio

SIP Top-up / Step-up

Model annual % increase in SIP and impact on corpus.

Enter initial SIP, yearly step-up % & tenure.
See final corpus & comparison vs flat SIP.

Open SIP Step-up

Lump-sum vs SIP Comparison

Compare investing a lumpsum now vs monthly SIP over the same period.

Enter lumpsum amount, SIP amount & expected returns.
Compare final corpus & IRR for both routes.

Open Comparison

Inflation / Erosion Calculator

Compute real value after inflation — enter nominal returns & inflation %.

Enter nominal growth % and inflation rate.
Result: real return and erosion of purchasing power.

Open Inflation Calc

Gold / Silver Investment

Convert grams ↔ ₹ and project appreciation.

Enter current price per gram & grams / amount.
Project future value by expected appreciation %.

Open Gold/Silver

Currency Converter (Custom Rates)

Convert amounts using custom rates you enter — saves custom rate sets.

Enter base & target currency & custom rate.
Convert instantly; save frequently used rates.

Open Currency Converter

Loans & Banking — Calculators

Prepayment, Balance transfer, EMI amortization & Credit card interest — quick tools

Open tools

Loan Prepayment / Foreclosure

Calculate interest saved & new tenure after prepayment — ముందస్తు చెల్లింపు వల్ల ఆదా.

Enter outstanding principal, rate & planned prepayment amount.
Choose to reduce tenure or EMI; view interest saved.
Result: interest saved & revised schedule (సంక్షిప్తము)

Prepayment · Interest saved

Open Prepayment

Balance Transfer Calculator

Estimate benefit of transferring loan to a lower rate — balance transfer ప్రయోజనం.

Enter outstanding principal, current rate & new rate.
Compare EMI / tenure impact & transfer fees.
Net saving after fees shown

Rate · Savings

Open Balance Transfer

EMI Amortization Schedule (CSV)

Download month-by-month principal & interest schedule as CSV — EMI amortization.

Enter loan amount, rate & tenure.
Get full schedule with EMI, principal, interest & balance.
Download CSV for bookkeeping

Schedule · CSV

Open Amortization

Credit Card Interest Calculator

Estimate interest on revolving balance and late payment charges — credit card interest.

Enter outstanding balance, monthly payment & APR.
See interest charged per month & time to repay.
Useful for payoff planning (బ్యాలెన్స్ తీర్చాలి)

APR · Revolving

Open Card Interest

Insurance & Retirement — Calculators

Retirement gap, pension, critical illness gap & premium vs benefit

Use tools

Retirement Gap Calculator

Corpus needed vs current savings — మీ ప్రస్తుత పొదుపుతో అవసరమయ్యే corpus తేడా చూడండి.

Enter current age, retirement age & expected monthly needs at retirement.
Provide current savings & expected post-retirement return %.
Result: required corpus & shortfall (gap) — కోర్పస్ లో తగ్గింపు

Gap · Required corpus

Open Retirement Gap

Pension / Annuity Calculator

Expected monthly pension from corpus — పెట్టుబడి ఆధారంగా నెలవారీ pension అంచనా.

Enter corpus available at retirement & annuity rate (%) or expected withdrawal %.
Choose payout option: fixed / escalating (if available).
Result: estimated monthly pension. నెలకి వచ్చే మొత్తం

Pension · Monthly

Open Pension Calculator

Critical Illness / Mediclaim Gap

Cover needed vs existing — ఎంత cover కావాలి vs మీరు ఉన్న cover.

Enter estimated treatment cost & current policy sum insured.
Consider family members & future inflation in medical costs.
Result: recommended additional cover (gap). కవర్ లో తేడా

Mediclaim · Gap

Open Critical Illness Gap

Premium vs Benefit Breakup

Compare ULIP vs Mutual Fund + Term (premium allocation, charges & benefit split).

Enter premium amount, term & expected fund returns (for ULIP/MF).
Account for ULIP charges (allocation, fund mgmt) & term insurance premium.
Result: net investible amount vs insurance cover & benefit breakup.

ULIP · MF + Term comparison

Open Comparison

Personal Finance Utilities — Quick Tools

EMI vs Savings, Emergency fund, Net worth, Goals tracker & Salary breakup

Open tools

EMI vs Savings — Opportunity Cost

Compare paying EMI vs investing same amount — lost/gained opportunity & break-even. EMI పెట్టినా vs అదే మొత్తాన్ని investచేసిన పర్యాయం.

Enter EMI amount or monthly investing amount.
Set loan rate, investment return % & tenure.
Result: opportunity cost, final corpus & advice.

EMI · Opportunity cost

Open EMI vs Savings

Emergency Fund Calculator

Target = X months of expenses — నెలల సంఖ్య ఆధారంగా అవసరమయ్యే ఫండ్.

Enter monthly expenses & choose months (e.g., 6 months).
Optionally subtract liquid savings already available.
Result: required emergency corpus & monthly top-up suggestion.

Emergency · X months

Open Emergency Fund

Net Worth Calculator

Assets − Liabilities = Net worth — మీ ఆస్తులు మైనస్ అప్పులు = నెట్ వాల్యూ.

List assets (bank, investments, property) & liabilities (loans, credit card).
Auto-calc net worth and % allocation.
Save snapshot for monthly tracking.

Assets · Liabilities

Open Net Worth

Savings Goal Tracker

Track progress & months to target — లక్ష్యానికి చేరుకోవడానికి కావలసిన నెలలు.

Enter target amount, current savings & monthly SIP.
Estimate months to reach target (with expected return %).
Shows progress % and suggestion to accelerate.

Progress · Months to target

Open Goal Tracker

Salary Breakup / Take-home

PF, professional tax, LTA & net take-home calculation — ఎన్ని deductions తర్వాత చేతికి వస్తుంది.

Enter gross salary & select components (PF, HRA, LTA).
Auto-calc statutory deductions & net take-home.
Download or copy salary breakup.

Gross → Net

Open Salary Breakup

Home Loan Calculators — Quick Tools

Top-up, Stamp Duty & PMAY — quick bilingual guides

Open tools

Home Loan Balance Top Up

Extra amount you can borrow — అదనపు మొత్తం మీరు పొందగలరా తెలుసుకోండి.

Enter existing loan balance, income & repayment history.
Bank % rules applied to compute max top-up.
Result: approximate extra loan amount available.

Top-up · Eligibility

Open Top-Up Calc

Home Loan Stamp Duty Calculator

Calculate stamp duty for property transfer — రాష్ట్రం ప్రకారం stamp duty తేడా ఉంటుంది.

Enter property value and select state.
Includes registration charges if applicable.
Result: stamp duty & registration payable estimate.

Stamp duty · Reg charges

Open Stamp Duty

PMAY Calculator

Estimate EMI under PMAY scheme — PMAY subsidy & EMI impact చూడండి.

Enter loan amount, tenure & applicable subsidy category.
Calculator applies PMAY interest subsidy (if eligible).
Result: EMI with subsidy & total outflow.

PMAY · Subsidy · EMI

Open PMAY Calc

Business Loan Calculators — Quick Tools

EMI, Foreclosure & Pre-payment — short bilingual guides

Open tools

Business Loan EMI Calculator

Plan EMIs: Enter loan amount, rate & tenure — నెలకు వచ్చే EMI ప్లాన్ చేయండి.

Shows monthly EMI, total interest & total payment.
Include prepayment options to compare.
Use for cashflow planning

EMI · Interest · Total

Open EMI Calculator

Business Loan Foreclosure

Calculate total foreclosure cost including charges — మొత్తం ఫోర్క్లోజర్ ఖర్చు.

Enter outstanding principal & bank foreclosure rules.
Includes foreclose fee, interest till date & taxes if any.
Shows net amount to pay

Foreclosure · Fees

Open Foreclosure Calc

Business Loan Pre-Payment

Estimate pre-payment charges & interest saved — ముందస్తు చెల్లింపు వల్ల ఆదా & ఛార్జెస్.

Enter outstanding, planned prepayment & choose reduce EMI/tenure.
Shows prepayment fee (if any) and net interest saved.
Helps decide prepay vs keep paying

Pre-pay · Savings

Open Pre-Payment

Personal Loan Calculators

Eligibility • EMI • Pre-Payment — English + Telugu mix

Personal Loan Eligibility Calculator

Your salary, expenses & obligations batti loan eligibility — ఎంత వరకు loan vastundo telusukondi.

Enter income, EMI obligations, FOIR %.
Bank rules apply for eligibility.
Shows max eligible loan amount.

Eligibility • FOIR

Open Eligibility

Personal Loan EMI Calculator

Loan amount, rate & tenure batti monthly EMI — ముందుగానే plan చేసుకోండి.

Shows EMI, total interest & total cost.
Compare multiple tenures easily.
Great for budgeting.

EMI • Interest

Open EMI Calc

Personal Loan Pre-Payment

Pre-pay cheste entha interest save avutundo chudandi. తగ్గిన EMI or తగ్గిన tenure.

Enter outstanding loan & prepayment amount.
Shows interest saved + new EMI/tenure.
Helps decide if prepayment is beneficial.

Pre-Pay • Save Interest

Open Pre-Payment

Loan Against Property & Vehicle Loan Calculators

LAP, Two-wheeler, Used Car & Car EMI — quick guides (English + Telugu)

Loan Against Property Calculator

Estimate loan amount against property value — మీ property మీద ఎంత loan లభిస్తుంది అనేది తెలుసుకోండి.

Enter market value of property & LTV % (Loan-to-Value).
Adjust for existing mortgages or encumbrances.
Result: approximate loan amount available (సుమారు రుణం).

LAP · LTV · Eligibility

Open LAP Calculator

Two Wheeler Loan EMI Calculator

Calculate EMI for bike loans — కారుకు ముందు బైక్ EMI ప్లాన్ చేయండి.

Enter loan amount, interest rate & tenure.
Shows monthly EMI, total interest & total payment.
Use for budgeting & comparison.

Two-wheeler · EMI

Open Two-Wheeler EMI

Used Car Loan EMI Calculator

EMI estimate for pre-owned cars — యూజ్డ్ కార్ రుణానికి EMI ఎవరైనా చూడండి.

Enter car price, down payment, rate & tenure.
Shows EMI, interest outflow & total cost.
Compare used vs new car loan scenarios.

Used Car · EMI

Open Used Car EMI

Car Loan EMI Calculator

EMI for new car loans — కొత్త కారు EMI & మీ payment plan ను తెలుసుకోండి.

Enter loan amount, down payment, interest rate & tenure.
Shows EMI, total interest & amortization hints.
Helpful for comparison across tenures.

Car · EMI · Payment plan

Open Car EMI

Education & Specialized Loans — Calculators

Education loans, microfinance & rural loans — quick bilingual guides

Education Loan EMI Calculator

Student loan EMI estimate — చదువు కోసం ఉన్న రుణం EMI అంచనా.

Enter loan amount, rate & repayment tenure.
Shows monthly EMI, total interest & total payment.
Useful for planning study finance (స్టడీ ఫైనాన్స్)

Education · EMI · Planning

Open Education EMI

Micro Finance Loan EMI Calculator

Small-ticket loans EMI estimate — మైక్రోఫైనాన్స్ రుణాల EMI గురించి తెలుసుకోండి.

Enter loan amount, tenure & lender rate.
Shows EMI, total interest & repayment plan.
Designed for small business & self-help groups

Microfinance · EMI

Open Microfinance EMI

Rural Individual Loan EMI Calculator

Loans for rural individuals — గ్రామీణ రుణాల EMI అంచనా.

Enter principal, rate and tenure specific to scheme.
Shows monthly EMI, interest and total outflow.
Supports special scheme rates & subsidies

Family Health Optima (FHO)

Most popular family floater — Coverage ₹3L to ₹1Cr+, auto SI refill & maternity (after waiting). కుటుంబానికి బాగా ఫిట్.

Family floater · High sums insured
Automatic SI refill on claim
Includes maternity after waiting period

Family Floater · Maternity

Open FHO Plan

Star Comprehensive Plan

Zero sub-limits (room rent/diseases), OPD & newborn/maternity — higher-income families ki suitable.

Zero sub-limits on many items
OPD & maternity options
Good for higher-income families

Zero Sub-limits · OPD

Open Comprehensive

Young Star Insurance Policy

Special plan for ages 18–40 — low premiums, installment option & fitness discounts. యువుల కోసం చక్కటి ఎంపిక.

Low premium slabs for 18–40
Installment premium & fitness discounts
Good for healthy young adults

Young · Low premium

Open Young Star

Senior Citizens Red Carpet Plan

Popular for 60–75+ years — no pre-medical test, covers up to ₹25L (higher copay). సీనియర్ ల కోసం బెస్ట్.

No pre-medical test for many sums
High cover options up to ₹25L
Higher copay but tailored for seniors

Senior · No PMT

Open Senior Plan

Star Health Premier Policy

For people with existing medical history — auto-restore, chronic disease cover, high SI options.

Designed for existing conditions
Auto-restore & chronic cover
High sum insured choices

Chronic · Auto-restore

Open Premier Policy

Medi Classic Insurance

Simple, budget-friendly individual plan — room rent limits, ideal for first-time buyers.

Affordable individual cover
Room rent limits apply
Good for first-time buyers

Budget · Individual

Open Medi Classic

Super Surplus Top-Up Plan

Top-up over existing policy — low cost for high extra coverage (ideal above ₹20–50L).

Top-up cover at low premium
Useful for high-value cover needs
Works over base policy

Top-up · High SI

Open Top-Up Plan

Star Cancer Care Gold

Dedicated cancer plan — treatment & follow-up coverage (unique in India).

Treatment + follow-up cover
Designed for cancer-specific needs
Helps manage long-term care costs

Cancer · Treatment care

Open Cancer Care

Star Micro Health Insurance

Low-premium rural & low-income plans — cover ₹1L–₹3L, affordable protection.

Very low premiums
Small sums insured for rural segments
Designed for mass outreach

Micro · Low premium

Open Micro Health

Star Outpatient Care Plan

OPD visits, tests & consultation coverage — ideal for those needing regular checkups.

Covers OPD consultations & tests
Useful for chronic check-ups
Reduces out-of-pocket OPD costs

OPD · Tests · Consult

Open OPD Plan