The 25x rule says you need 25 times your annual expenses to retire. At ₹5 lakh/year expenses today, inflated …
Open calculatorOn a ₹50 lakh portfolio over 20 years at 12% returns, the difference between 0.1% (index fund) and 1.5% …
Open calculatorELSS has a 3-year lock-in and targets 12-14% returns. PPF has a 15-year lock-in at guaranteed 7.1%. On a …
Open calculatorUPS gives 50% of average basic as guaranteed pension; NPS gives a market-linked corpus that can be 2-3x larger …
Open calculatorSGBs pay 2.5% interest on top of gold price appreciation and are tax-free on maturity. Gold ETFs are liquid …
Open calculatorSSY offers 8.2% interest, full tax exemption, and matures when the girl turns 21. On ₹1.5 lakh/year for 15 …
Open calculatorGold has returned about 13% CAGR in INR over the last 20 years — better than most people think. But the form …
Open calculatorAt 6% inflation, ₹10 lakh today is worth ₹5.58 lakh in real terms after 10 years. An FD at 7% barely keeps up. …
Open calculatorNet worth = assets minus liabilities. Simple formula, but most Indians undercount assets (EPF, PPF, gratuity) …
Open calculatorFD and RD both offer fixed returns but compound differently. On ₹6 lakh invested over a year, an FD beats an …
Open calculatorThe standard advice is 6 months of expenses. But 6 months of what — income or spending? And where: savings …
Open calculatorCompound interest is calculated on principal plus accumulated interest — not just the original amount. The …
Open calculatorCAGR is the single most important number when comparing mutual funds — but most investors read it wrong. …
Open calculatorDivide 72 by your expected return rate and you get the years to double your money. PPF at 7.1% takes 10 years. …
Open calculatorNPS gives an extra ₹50,000 deduction under 80CCD(1B) but locks 40% in annuity at retirement. PPF is fully …
Open calculatorRD interest uses quarterly compounding per RBI rules — not simple interest as most people assume. Here's the …
Open calculatorPPF compounds annually at a rate set by the government every quarter — currently 7.1%. The 15-year lock-in and …
Open calculatorCalxo (calxo.in) is a free, ad-light calculator platform built for Indian users. Every tool covers EMI, SIP, GST, income tax, FD, PPF, salary, and conversions, using Indian rules, INR, and current tax slabs (not generic global formulas).
Calxo is operated by Vignesh Sampath Kumar, an SEO Lead at PipeRocket Digital in Chennai and the founder of EVBlogs.in. Vignesh personally writes and reviews every calculator page.
Corrections, suggestions, or partnership: avmedianews321@gmail.com
Based in India. Founded 2026.