Mutual Fund Calculators — Attractive & Clear
Insurance Calculators — Quick Instructions
Life Insurance (HLV)
Policy amount estimate — మీ కుటుంబానికి అవసరమైన cover.
- Enter income, age, dependents.
- Add liabilities & future goals.
- Result: suggested policy cover.
Term Insurance Premium
Age, sum assured, tenure → premium.
- Enter age & coverage amount.
- Choose policy term & riders.
- Premium shows instantly.
Health Insurance Premium
Individual / Family premium estimate.
- Enter member ages.
- Select sum insured.
- Premium auto-calculated.
Motor Insurance
Car / Bike premium + IDV.
- Enter vehicle details.
- Select zero-dep / add-ons.
- Premium visible instantly.
ULIP Calculator
Investment + Insurance breakdown.
- Enter premium & term.
- Add fund return %.
- See projected fund value.
Retirement Pension
Future monthly pension estimate.
- Enter retirement age.
- Enter monthly needs.
- See required corpus.
Real Estate Calculators — Organized & Attractive
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)
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.
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.
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.
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.
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.
Property ROI — Buy vs Rent
Compare owning vs renting: total cost, annualised ROI, breakeven year — కొనడం vs అద్దెకొట్టడం ఏది Value ఇస్తుందో తెలుసుకోండి.
Taxes & Compliance — Quick 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.
TDS Calculator
Estimate TDS for salary / contractor payments.
- Choose type: Salary / Contractor / Professional.
- Enter payment amount & applicable exemptions.
- See TDS amount and payable frequency.
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.
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.
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.
Investments & Markets — Calculators
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.
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.
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.
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).
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.
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.
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.
Gold / Silver Investment
Convert grams ↔ ₹ and project appreciation.
- Enter current price per gram & grams / amount.
- Project future value by expected appreciation %.
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.
Loans & Banking — Calculators
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)
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
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
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)
Insurance & Retirement — Calculators
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
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
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
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.
Personal Finance Utilities — Quick 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.
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.
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.
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.
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.
Home Loan Calculators — Quick 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.
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.
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.
Business Loan Calculators — Quick 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
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
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
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.
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.
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.
Loan Against Property & Vehicle Loan Calculators
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).
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.
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.
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.
Education & Specialized Loans — Calculators
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)
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
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
Area Conversions — Acre → Local Units
Acre → Bigha
Convert acres to bigha — Acre ni Bigha ga convert cheyandi. (Area unit)
Acre → Cent
Acre ni Cent ga marchandi — typical South-India unit conversion.
Acre → Gaj
Acre to Gaj conversion — Acre ni Gaj (square yard) ga convert cheyandi.
Acre → Guntha
Acre ni Guntha ga convert cheyandi — local land measure ga upayoginche unit.
Acre → Hectare
Acre to Hectare conversion — International metric unit (hectare).
Acre → Square Feet
Acre ni Square Feet (sq ft) ga convert cheyandi — common house/plot unit.
Acre → Ground
Acre ni Ground unit ga marchandi — local building plots measure.
Acre → Marla
Acre to Marla conversion — North India / Pakistan unit (useful for some regions).
Star Health Insurance — Plans
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
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
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
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
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
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
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
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
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
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