Use Cases
Real Goals. Specific Answers.
46 worked scenarios for the questions people actually search — with the answer above the fold and the math you can adjust below.
Free· No sign-up· Pre-filled with realistic numbers
How much SIP to reach ₹1 Crore in 10 years?
The exact monthly SIP needed at 12% to hit ₹1 crore in 10 years.
Get the answer →Corpus needed to earn ₹50,000/month from SWP?
Minimum lump sum to withdraw ₹50,000/month without depleting principal.
Get the answer →How much does ₹10,000/month SIP grow in 20 years?
What a ₹10,000 monthly SIP at 12% annual return becomes over two decades.
Get the answer →What CAGR is needed to double money in 5 years?
The return rate required to double any lump sum in exactly 5 years.
Get the answer →How much lumpsum becomes ₹1 Crore in 15 years?
Working backwards — how much to invest today at 12% to reach ₹1 crore in 15 years.
Get the answer →What will ₹5 lakh in FD become after 5 years?
₹5 lakh at 7.1% compounded quarterly — maturity amount and effective yield.
Get the answer →Monthly SIP needed to retire with ₹3 Crore at 60?
Starting at 30 — the monthly SIP at 12% to accumulate ₹3 crore by age 60.
Get the answer →Step-up SIP of ₹5,000 growing 10% yearly in 15 years?
Starting at ₹5,000/month with 10% annual step-up — corpus after 15 years.
Get the answer →What will ₹1 crore actually buy in 20 years?
Inflation quietly resets every target. See the real purchasing power and the number you should aim at.
Get the answer →What if my SIP only returns 8 percent, not 12?
Stress test the assumption your whole plan rests on, and price the two ways of closing the gap.
Get the answer →₹10 lakh has landed. What order should it go in?
Debt, cushion or investment. The deployment sequence ranked by certain return, not by preference.
Get the answer →Take-home salary on ₹12 LPA under new regime?
Gross CTC ₹12 lakh — under FY 2025–26 new regime, Section 87A rebate makes tax payable zero up to ₹12 L taxable.
Get the answer →Tax saved with full ₹1.5 lakh in Section 80C?
Exact tax saving from maxing out 80C at ₹1.5 lakh — varies by income slab.
Get the answer →Old vs New Regime at ₹15 LPA — which saves more?
At ₹15 lakh gross — full old-regime deductions vs flat new regime, side by side.
Get the answer →HRA exemption on ₹8 LPA in a metro city?
Basic ₹4 lakh, rent ₹20,000/month, metro — HRA exemption using all three conditions.
Get the answer →Capital gains tax selling ₹5 lakh equity MF held 2 years?
LTCG at 12.5% above ₹1.25 lakh exemption on ₹3.75 lakh taxable gain.
Get the answer →TDS on ₹1 lakh professional fee?
Section 194J — TDS at 10% on professional fees. Net payment and gross-up.
Get the answer →Tax on FD interest of ₹60,000/year?
FD interest above ₹40,000 — TDS at 10% by bank. Net vs gross interest received.
Get the answer →How much advance tax do I owe, and by when?
The four instalment dates, what is due now, and the Section 234C interest a missed one costs.
Get the answer →EMI on a ₹50 lakh home loan for 20 years at 8.5%?
Full amortization — monthly EMI, total interest paid, total amount payable.
Get the answer →Interest saved prepaying ₹5 lakh on home loan?
On a ₹50L/20yr/9% loan — a ₹5 lakh prepayment in Year 3 saves this much interest.
Get the answer →Home loan on ₹1 lakh monthly salary?
Banks approve EMI at 40–50% of net income — eligible loan at current rates.
Get the answer →EMI on a ₹10 lakh personal loan for 5 years at 14%?
Total interest burden — EMI, total payable, and effective cost of borrowing.
Get the answer →Car loan on ₹60,000 monthly salary?
EMI eligibility at 40% of salary — standard 4-year car loan at 10%.
Get the answer →Stamp duty on a ₹75 lakh flat in Maharashtra?
Stamp duty at 6% + registration fee on a Maharashtra metro property — total registration cost.
Get the answer →Prepay home loan vs invest in SIP?
Home loan at 9% vs equity SIP at 12% — post-tax comparison for ₹5 lakh surplus.
Get the answer →How fast can I actually become debt-free?
Three loans, one extra payment. See the finish date, the payoff order and what the order is worth.
Get the answer →My home loan rate went up. What does it cost?
Most lenders extend the tenure instead of raising the EMI, which hides the price. Both versions here.
Get the answer →Is switching my home loan to a cheaper lender worth it?
Interest saved against processing, legal and valuation costs, plus the exact break-even month.
Get the answer →Corpus to retire with ₹40,000/month expenses?
Conservative 6% perpetual return — lumpsum that generates ₹40,000/month income without depleting principal.
Get the answer →EPF at retirement on ₹50,000/month salary?
Employee + employer EPF at 8.25% (FY 2024–25 rate) over 30 years on ₹50,000 monthly salary.
Get the answer →PPF maturity on ₹1.5 lakh/year for 15 years?
Maximum PPF at 7.1% — maturity amount, interest earned, EEE tax status.
Get the answer →NPS pension on ₹5,000/month starting at 30?
NPS corpus at 60, lump sum, annuity corpus, and estimated monthly pension.
Get the answer →Gratuity after 10 years on ₹80,000 last salary?
Formula: (15 × last salary × years) / 26 — for companies covered under the Act.
Get the answer →If I lose my job, how long will my savings last?
EMIs do not pause. A month-by-month drawdown showing the date the money actually runs out.
Get the answer →I have ₹2 crore. Can I retire now?
How long the corpus lasts against inflation, and the highest monthly spend it can sustain for life.
Get the answer →₹50,000 in hand. How should it be split?
The 50-30-20 rule has no room for an EMI. Start from what is actually committed instead.
Get the answer →What will my child’s degree cost in 15 years?
Education inflation runs ahead of CPI. The corpus needed at admission and the SIP that funds it.
Get the answer →How many years until I never have to work again?
Your savings rate decides this, not your salary. The FI number and what five more points does.
Get the answer →Break-even for ₹2 lakh fixed cost and ₹500 margin?
Fixed ₹2 lakh, variable ₹200/unit, selling ₹500 — break-even units and revenue.
Get the answer →GST on a ₹50,000 invoice at 18%?
CGST + SGST for intra-state, IGST for inter-state — on a ₹50,000 service invoice.
Get the answer →ROI on ₹50,000 marketing spend → ₹80,000 revenue?
Net profit ₹30,000 on ₹50,000 spend — marketing ROI, ROAS, and benchmarks.
Get the answer →My P and L shows profit. Why is there no cash?
Receivable, inventory and payable days converted into the rupees your business cannot spend.
Get the answer →What should I actually charge per hour?
Working backwards from the take-home you need, through tax, costs and every unbillable hour.
Get the answer →How many months of runway does my business have?
Two dates race each other: when the cash hits zero and when revenue covers costs.
Get the answer →Can I afford to hire one more person?
The salary is not the cost. The loaded figure and the revenue your margin has to produce.
Get the answer →The concepts behind these scenarios.
Each scenario applies a handful of ideas to one situation. The Learn pages set out those ideas in sequence, so the next situation, which will not match any page exactly, still makes sense.
The terms behind these scenarios
The articles that explain the decision
All 10 Learn topics →