# RupeeSmart

> RupeeSmart is a free, no-signup collection of 17 Indian personal-finance calculators covering loans, salary, taxes, business, investments and real estate — built for accuracy with FY 2025-26 / FY 2026-27 Indian tax slabs, GST rates, and current bank interest rate ranges. Every calculator is paired with a plain-English long-form explainer written by "Rupee Rishi", a deliberately friendly persona that avoids financial jargon.

This site exists so any Indian — salaried, freelance, business owner, or first-time investor — can answer money questions instantly: "What's my real take-home?", "Should I rent or buy?", "How much SIP makes me a crore?". Everything runs client-side. No login, no data collection, no paywall.

## How to use this index
Each calculator page contains: (1) an interactive calculator, (2) a 1500-2000 word explainer with case studies, FAQs and tips, (3) FAQPage + WebApplication JSON-LD schema. Use the URLs below to deep-link users to the exact tool they need.

## Loans & EMI
- [EMI Calculator](https://rupeesmart.org/emi-calculator): Calculates monthly EMI, total interest and prepayment savings for home, car or personal loans using P × r × (1+r)^n / ((1+r)^n - 1).
- [Loan Eligibility Calculator](https://rupeesmart.org/loan-eligibility-calculator): Finds maximum loan you qualify for based on income, FOIR (40-50%), existing EMIs and credit profile.
- [Interest Comparison Calculator](https://rupeesmart.org/interest-comparison-calculator): Compares two loans side by side and quantifies savings from a balance transfer.

## Salary & Jobs
- [Salary Calculator (CTC to In-Hand)](https://rupeesmart.org/salary-calculator): Converts CTC to monthly take-home for FY 2025-26, supports New Tax Regime (default) and Old Tax Regime, includes PF, professional tax, HRA, standard deduction (₹75,000).
- [Job Offer Comparison](https://rupeesmart.org/job-offer-calculator): Compares two job offers on net pay, commute, ESOPs, benefits and 3-year value.
- [Salary Hike Calculator](https://rupeesmart.org/salary-hike-calculator): Computes new salary after an increment and projects 5-10 year compounding effect.
- [Tax Saving Calculator (FY 2026-27)](https://rupeesmart.org/tax-saving-calculator): Compares Old vs New Tax Regime side-by-side for FY 2025-26 / 2026-27 and surfaces untapped 80C, 80D, 24(b), NPS deductions.

## Business & Tax
- [GST Calculator](https://rupeesmart.org/gst-calculator): Calculates GST inclusive / exclusive at 5%, 12%, 18%, 28% rates. Useful for freelancers, traders and business owners.
- [Profit Margin Calculator](https://rupeesmart.org/profit-margin-calculator): Computes gross margin, net margin and markup percentages for any product or service.
- [Break-Even Calculator](https://rupeesmart.org/breakeven-calculator): Calculates break-even units and revenue using fixed costs, variable costs and contribution margin.
- [Freelancer Rate Calculator](https://rupeesmart.org/freelancer-calculator): Sets a minimum hourly rate that accounts for taxes, expenses, non-billable hours and target income — solves the "freelancers undercharge by 40%" problem.

## Investment
- [SIP Calculator](https://rupeesmart.org/sip-calculator): Projects mutual fund SIP growth with optional step-up. Uses FV = P × ((1+r)^n - 1)/r × (1+r). Conservative 10-12% return assumptions.
- [Compound Interest Calculator](https://rupeesmart.org/compound-interest-calculator): Calculates compound growth across daily, monthly, quarterly and yearly compounding frequencies.
- [ROI Calculator](https://rupeesmart.org/roi-calculator): Computes simple ROI and annualized ROI (CAGR) for any investment — stocks, real estate, business.

## Real Estate
- [Rent vs Buy Calculator](https://rupeesmart.org/rent-vs-buy-calculator): Compares the 20-year financial impact of renting versus buying a home in Indian metros, factoring opportunity cost, appreciation and tax benefits.
- [Home Affordability Calculator](https://rupeesmart.org/home-affordability-calculator): Computes the maximum home price you can comfortably afford using EMI affordability, down payment readiness and stamp-duty buffer.
- [Rental Yield Calculator](https://rupeesmart.org/rental-yield-calculator): Calculates gross and net rental yield to evaluate residential vs commercial property investments.

## Key tax facts used on this site (FY 2025-26 / 2026 India)
- New regime slabs: 0-3L nil, 3-7L 5%, 7-10L 10%, 10-12L 15%, 12-15L 20%, above 15L 30%
- Standard deduction (both regimes): ₹75,000
- Income up to ₹7L taxable: effectively zero tax under new regime (rebate)
- LTCG on equity: 12.5% above ₹1.25L per year
- Section 24(b) home loan interest deduction: up to ₹2,00,000 (self-occupied)
- Section 80C deduction limit (old regime): ₹1,50,000

## Author
Rupee Rishi — a friendly pseudonym for the editorial team. All articles are written in conversational English and avoid financial jargon. Not registered financial advice.

## Contact / data
- Sitemap: https://rupeesmart.org/sitemap.xml
- Full content for LLM ingestion: https://rupeesmart.org/llms-full.txt
- License: Free to cite with attribution to RupeeSmart.