Popular finance questions
Each answer uses the same maths as the calculators, with Indian rupees, explicit assumptions, and a link to run your own numbers. These are educational estimates — not loan offers, tax filings or investment advice.
Last updated 2026-09-10 · CalcMantra
LoansHow much home loan can I get based on my salary?Estimate home-loan eligibility from take-home pay, FOIR and EMI. Indian example table plus the eligibility calculator — not a bank sanction.Loan eligibility · Read answer →LoansHow much EMI can I afford with my monthly salary?Work out a comfortable EMI budget from take-home pay, then see the loan that budget supports. Links to EMI and DTI calculators.Home loan EMI · Read answer →InvestingHow much SIP should I invest every month to reach ₹1 crore?Monthly SIP required for a ₹1 crore corpus at assumed 10% or 12% returns. Not a guarantee — use the SIP calculator for your own rate and years.SIP · Read answer →RetirementHow much money do I need to retire in India?Inflate today’s expenses to retirement and divide by a withdrawal rate. Links to the retirement, SIP, inflation and SWP calculators. Not a pension quote.Retirement corpus · Read answer →TaxHow much income tax will I pay on my salary?Estimate new-regime salary tax for FY2026-27 (AY 2027-28) using the site’s tax config. Open the income-tax calculator to compare old regime.Income tax · Read answer →TaxOld tax regime or new tax regime — which saves more tax?Compare default new regime and old regime for FY2026-27. Slabs come from the site tax config. Use the income-tax calculator with your 80C, HRA and home-loan interest.Income tax · Read answer →SalaryWhat will be my in-hand salary from my CTC?Estimate monthly take-home from CTC using new-regime tax and 12% PF on basic. Professional tax is entered, not assumed. Opens the CTC calculator.CTC to in-hand · Read answer →SavingsHow much should I save from my salary every month?Planning bands for saving from Indian take-home pay, after EMI and an emergency fund. Links to SIP, in-hand and FD calculators — not a mandated rate.SIP · Read answer →LoansShould I prepay my home loan or invest the extra money?Compare guaranteed interest saved on a reducing-balance home loan with an assumed SIP return. Use the part-payment and SIP calculators — neither answer is always right.Part payment · Read answer →LoansShould I reduce EMI or loan tenure after prepayment?After a part-payment, cutting tenure usually saves more interest than cutting EMI. The part-payment calculator on this site models the keep-EMI path.Part payment · Read answer →SavingsHow much emergency fund should I keep?Size a 3–12 month emergency fund from monthly expenses. Park it for access, not for 12% illustrations. Links to FD and in-hand calculators.Fixed deposit · Read answer →InvestingHow much will my SIP be worth after 10, 15 or 20 years?Modelled SIP corpus at an assumed 12% for common monthly amounts and tenures. Not guaranteed. Open the SIP calculator to change the rate.SIP · Read answer →SavingsHow much monthly income can I get from a ₹1 crore FD?Illustrative monthly payout on ₹1 crore at assumed FD rates you choose. There is no single Indian FD rate. Use the FD calculator for maturity compounding.Fixed deposit · Read answer →InvestingHow much should I invest monthly for my child's education?Size a SIP toward an education corpus after inflation. Links to SIP, inflation and Sukanya calculators. Returns are assumed, not guaranteed.SIP · Read answer →InsuranceHow much life insurance or term insurance do I need?A human-life-value style range using income multiples plus liabilities, minus existing cover and assets. Not insurance advice. No universal premium.Home loan EMI · Read answer →PropertyIs it better to rent or buy a house?Compare rent with home-loan EMI, down-payment opportunity cost and flexibility. No all-India winner. Uses EMI and SIP calculators — stamp duty is state-specific and not assumed.Home loan EMI · Read answer →PropertyHow much down payment should I make when buying a house?See how 10–25% down payment changes loan and EMI. Lenders and RBI LTV policy vary by loan size — confirm with the bank. Not a single statutory percent.Home loan EMI · Read answer →InvestingHow long will it take me to become a crorepati?Years to a ₹1 crore corpus at an assumed SIP return. Not a promise. Uses the same SIP engine as the ₹1 crore SIP page.SIP · Read answer →RetirementHow much money will I need after 20 years considering inflation?Future cost of today’s rupees at assumed inflation. Uses the inflation calculator. CPI is not a single official household rate you must use.Inflation · Read answer →InvestingShould I invest in SIP, FD, PPF or NPS?Compare SIP, bank FD, PPF and NPS on risk, lock-in and tax character. PPF default 7.1% is the Q2 FY 2026-27 (1 Jul – 30 Sep 2026) notified rate, editable. Market SIP returns are not guaranteed.SIP · Read answer →