Personal Finance India — SIP, Tax, Govt Schemes Bilkul Simple
Free SIP calculators, Budget 2026 tax changes, government schemes, aur money tips bilkul seedhi baat mein. Priyanka ke saath step-by-step wealth banao.
Free Finance Calculators (India)
SIP Calculator India
Forward, Reverse & Step-Up SIP — kitna invest karna hai ya kitna milega, year-by-year growth ke saath.
Income Tax Calculator 2026
Budget 2026 slabs ke saath Old vs New tax regime turant compare karo aur jaano kitna tax bharoge.
Retirement Calculator
Inflation, PPF, NPS, aur mutual fund returns ko dhyan mein rakhte hue India mein retirement corpus plan karo.
Goal Savings Planner
Bachche ki padhai, ghar ka down-payment, car ya dream vacation ke liye goal-based investing plan karo.
EMI Calculator
Home loan, car loan & personal loan ki monthly EMI calculate karo. Amortization schedule & prepayment savings dekho.
FD Calculator
Fixed deposit maturity amount, interest aur TDS impact calculate karo. Top bank FD rates India 2026 compare karo.
PPF Calculator
Step-up ke saath PPF maturity amount calculate karo. Year-by-year growth, tax-free returns & extension benefits dekho.
NPS Calculator
Retirement pe NPS corpus, monthly pension & lump sum calculate karo. 80CCD tax benefits & asset allocation dekho.
Lumpsum Calculator
One-time mutual fund investment returns calculate karo. Lumpsum vs SIP compare karo, year-by-year growth dekho.
HRA Calculator
Section 10(13A) ke under HRA exemption calculate karo. Teeno rules, taxable HRA & annual tax savings dekho.
Gratuity Calculator
Gratuity Act ke under gratuity amount calculate karo. Tax-exempt limit & effective payout dekho.
TDS Calculator
Salary, FD interest, rent, property sale & professional fees pe TDS calculate karo. Exact deduction jaano.
Advance Tax Calculator
Quarterly advance tax installments, TDS credit, Section 234B/234C interest & net tax payable calculate karo.
Salary Calculator
CTC se take-home salary breakup — Basic, HRA, PF, Gratuity, Professional Tax & income tax deductions dekho.
Buy vs Rent Calculator
Ghar khareedein ya rent pe rahein? 10-30 saal mein buying vs renting + investing ki total cost compare karo.
Latest Sarkari Yojnayein (2026)
PM Awas Yojana
Urban aur rural India ke liye housing subsidy — home loans pe ₹2.67 lakh tak interest subsidy.
Sukanya Samriddhi Yojana
Beti ke liye sabse acchi savings scheme — 8.2% interest, 80C tax benefit, poori tarah tax-free.
Atal Pension Yojana
60 ke baad ₹1,000-₹5,000 per month guaranteed pension, unorganised sector workers ke liye.
Ayushman Bharat (PMJAY)
27,000+ hospitals mein per family per year ₹5 lakh ka free health cover.
Insurance Guide — Jo Zaroori Hai Usse Protect Karo
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 — Samajhdari Se Udhar Lo
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 — Apni Wealth Badhao
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 Samjho
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.
Priyanka Personal Finance Kyun?
India mein zyaadatar finance content un logon ke liye likha jaata hai jo pehle se finance samajhte hain. Hum iska ulta karte hain — yahan sab kuch beginners, students, naye earners, homemakers aur starting walon ke liye likha hai. Koi jargon nahi, koi hidden commission nahi. Bas simple, unbiased, India-specific personal finance.
- India-specific — saare examples rupees mein, Indian tax laws aur real schemes ke saath.
- Calculator-first — sirf padho mat, apne numbers daalo aur results dekho.
- Har page pe FAQ — taaki koi sawaal unanswered na rahe.
- Hamesha free — koi paywall nahi, koi sign-up nahi, koi lead-capture trick nahi.
Aksar Poochhe Jaane Wale Sawaal
Kya Priyanka Personal Finance free hai?
Haan. Is site pe har calculator, article, aur government-scheme guide 100% free hai aur sign-up ki zaroorat nahi hai.
Kya aap mutual funds ya insurance bechte hain?
Nahi. Hum ek personal finance education platform hain. Hum koi financial product nahi bechte aur koi commission nahi kamaate. Hum hamesha investing se pehle SEBI-registered investment advisor se baat karne ki salah dete hain.
Kya SIP aur tax calculators accurate hain?
Hamare calculators AMC, SEBI aur Income Tax Department ke formulas use karte hain. Lekin actual returns aapke chosen fund aur market performance pe depend karta hai, toh outputs ko estimates samjho.
India mein beginners ke liye sabse accha SIP plan kaunsa hai?
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.
Government schemes middle class ki kaise madad karti hain?
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.