Indian personal finance
Make smarter money decisions.
Understand. Calculate. Compare. Decide.
Explore clear explanations, compare financial scenarios and use calculators to understand the assumptions behind everyday money decisions in India.
Start with your decision
What financial decision are you working through?
Choose a topic to explore the questions, trade-offs and explanations that matter to you.
Personal Finance
Give your money a clear purpose
Understand cash flow, competing commitments and the money you may need to keep accessible.
Explore guidesLoans
Look beyond the monthly payment
Explore borrowing costs, repayment choices and the commitments behind a loan.
Explore guidesInvestments
Put investment scenarios in context
Understand contributions, time horizons and the limits of projected returns.
Explore guidesBanking & Savings
Choose and manage your deposits
Consider access, maturity, deposit protection and the differences between saving approaches.
Explore guidesTax
Understand the tax calculation
Explore income-tax and GST concepts, supported calculations and their applicable assumptions.
Explore guidesRetirement
Understand longer-term planning
Explore EPF, NPS and gratuity, including the rules and assumptions behind their estimates.
Explore guidesTools for perspective
Work through the numbers
Use a calculator to explore a scenario, then read the assumptions behind the result.
Home Loan EMI Calculator
Check whether the monthly EMI fits your budget and how much interest the loan adds over its full tenure.
Open calculatorSIP Calculator
See how regular monthly investments may build over time at an assumed return.
Open calculatorFD Calculator
Work out the maturity value when principal earns interest at the chosen compounding frequency.
Open calculatorPPF Calculator
See how yearly PPF contributions could grow over the tenure using the interest rate you enter.
Open calculatorInflation Calculator
Check how inflation may raise a future cost or reduce the purchasing power of today's money.
Open calculatorIncome Tax Calculator
Calculate tax on supported ordinary taxable income under the selected regime for Tax Year 2026–27.
Open calculatorFinancial education
Build your understanding
Start with these home-loan guides, or browse the full collection for other money questions.
Loans
Home Loan Guide for Beginners
What EMI, tenure, interest and lender terms mean when you compare a home loan.
Loans
How Home Loan EMI Is Calculated: Principal, Interest and Reducing Balance
How the home-loan EMI formula works, why the principal and interest split changes each month, and what an amortization schedule shows.
Loans
How to Choose a Home Loan Tenure
Compare shorter and longer Home Loan tenures, their scheduled EMI and interest trade-offs, and the household factors to weigh before choosing.
Context matters
Understand the assumptions
A calculation is a model, not a promise. Explore how the tools work, how content is researched and where ArthaSiddhi draws the line between education and personal advice.
Read about input assumptions, projections, rounding and real-world differences.
See the approach to sources, rule-sensitive information and corrections.
Understand the purpose and scope of this financial education platform.
Educational information and illustrative calculations. Not personalized financial advice.