Complete Calculator Guide & Reference

Master Financial Decision Making

Complete guide to all Tenhash calculators with detailed explanations, use cases, and expert tips. Choose the right calculator for your financial goals.

All Calculators Comparators
Investments Savings Loans Insurance & Tax Comparisons

Investment Calculators

Plan and optimize your investment portfolio

📈
Launch →

SIP Calculator

Systematic Investment Plan - invest fixed amount monthly and watch it grow

When to Use:

Plan monthly mutual fund investments, compare growth potential, or understand the power of compounding over years

How It Works:
→ Enter monthly investment amount
→ Set expected annual return rate (%)
→ Specify time period in years
Outputs Provided:
✓ Total Invested
✓ Total Returns
✓ Final Amount
✓ Growth Chart
Best For:
Long-term
Beginners
Regular investors
📊
NEW Launch →

Compound Interest

Calculate interest earned on your interest - the power of compounding

When to Use:

Understand FD/savings account growth, plan lump sum investments, or see how compound interest multiplies wealth

Key Inputs:
→ Principal amount
→ Annual interest rate & compounding frequency
→ Time period (years)
You Get:
✓ Final Amount
✓ Interest Earned
✓ Growth Chart
✓ Vs Simple Interest
Perfect For:
Savings accts
FDs
💰
Launch →

Lumpsum Investment

Project returns on one-time lump sum investment

When to Use:

Plan one-time investments from bonus, inheritance, or savings windfalls

How It Works:
→ Enter investment amount
→ Set expected annual return
→ Define investment period
Results Include:
✓ Principal Amount
✓ Total Returns
✓ Final Value
✓ Growth Graph
Ideal For:
One-time
Bonuses
Tax refunds
⚖️
NEW Launch →

Lump Sum vs SIP

Compare investing all at once vs monthly installments

When to Use:

Decide between lump sum and SIP, understand cost averaging benefit, evaluate volatility impact

Setup:
→ Total amount to invest
→ Expected return rate & market volatility
→ Investment duration
Compare:
✓ Lump Sum Final
✓ SIP Final
✓ Better Option
✓ Difference Amount
Great For:
Decision-making
Market timing
💳
Launch →

SWP Calculator

Systematic Withdrawal Plan - withdraw regular income from investments

When to Use:

Plan retirement withdrawals, supplementary income, or monthly cash needs from portfolio

Key Inputs:
→ Starting corpus amount
→ Monthly withdrawal & expected returns
→ Inflation rate & years to simulate
Know:
✓ Years Covered
✓ Total Withdrawn
✓ Balance Left
✓ Longevity Chart
Suited For:
Retirees
Income planning
🎯
Launch →

Goal-based SIP

Calculate SIP needed to reach your financial goals

When to Use:

Know how much to invest monthly to achieve specific goals (car, home downpayment, education)

Input:
→ Target goal amount
→ Time frame & expected return rate
Get:
✓ Monthly SIP Needed
✓ Total Investment
✓ Growth Schedule
✓ Projection Chart
Perfect For:
Goal planning
Life milestones
📐
NEW Launch →

CAGR Calculator

Calculate Compound Annual Growth Rate to measure true annualized investment performance

When to Use:

Compare returns across different investments, evaluate mutual fund performance, or project future value of your portfolio

How It Works:
→ Enter initial and final investment value
→ Specify investment duration in years
→ Or use Future Value mode with expected CAGR
Outputs Provided:
✓ CAGR Percentage
✓ Absolute Return
✓ Growth Multiple
✓ Year-by-Year Table
Best For:
Performance comparison
Mutual funds
Portfolio review
🚀
NEW Launch →

Step-up SIP Calculator

Calculate returns when you increase your SIP amount annually - match your growing income

When to Use:

Plan SIP investments that grow with your salary, see how annual top-ups accelerate wealth, and compare with regular SIP

How It Works:
→ Enter initial monthly SIP amount
→ Set annual step-up percentage (e.g., 10%)
→ Expected annual return and investment period
Outputs Provided:
✓ Step-up vs Regular SIP
✓ Extra Wealth Created
✓ Year-by-Year Breakdown
✓ Comparison Chart
Best For:
Salaried investors
Long-term wealth
Income growth

Savings & Fixed Income

Plan fixed deposit, recurring deposits, government schemes, and understand growth

🏦
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Fixed Deposit (FD)

Calculate maturity amount and interest on bank FDs

When to Use:

Plan bank savings, compare FD offers, understand guaranteed returns

Enter:
→ Principal amount
→ Interest rate & compounding frequency
→ Tenure (years)
Results:
✓ Maturity Amount
✓ Interest Earned
✓ Quarterly/Yearly
✓ Growth Chart
Best For:
Safe savings
Guaranteed returns
📆
Launch →

Recurring Deposit (RD)

Invest fixed amount monthly for guaranteed savings

When to Use:

Save discipline with guaranteed returns, plan short-term goals, guaranteed maturity

Setup:
→ Monthly deposit amount
→ Interest rate & tenure (months)
Get:
✓ Total Invested
✓ Interest Earned
✓ Maturity Amount
✓ Vs Bank Returns
Great For:
Saving habit
Short-term goals
🏛️
Launch →

PPF Calculator

Public Provident Fund - tax-free long-term savings

When to Use:

Plan tax-free savings, retirement corpus, or long-term wealth with lock-in benefits

Inputs:
→ Annual investment (Max ₹1.5L)
→ Interest rate & years (15 year lock)
Know:
✓ Total Invested
✓ Interest Earned
✓ Maturity Value
✓ Tax Advantage
Perfect For:
Long-term
Tax savings
Retirement
✖️
NEW Launch →

Simple Interest

Calculate interest without compounding effect

When to Use:

Understand loan payments, compare with compound interest, calculate SI on loans/deposits

Enter:
→ Principal amount
→ Annual rate of interest
→ Time period (years)
Calculate:
✓ Interest Amount
✓ Total Payable
✓ Growth Timeline
✓ Comparison Chart
Useful For:
Educational
Loan comparison
👧
NEW Launch →

Sukanya Samriddhi (SSY)

Government-backed girl child savings scheme with one of the highest interest rates among small savings

When to Use:

Plan savings for your daughter's education and marriage. Calculate maturity amount with year-by-year projections under the SSY scheme

How It Works:
→ Enter girl child's current age (0-10 years)
→ Set annual deposit (₹250 - ₹1,50,000)
→ Current SSY interest rate (default 8.2%)
Outputs Provided:
✓ Maturity Amount
✓ Total Interest Earned
✓ Year-by-Year Schedule
✓ Growth Chart
Best For:
Girl child savings
Tax-free (EEE)
Long-term planning

Loans & EMI

Calculate monthly payments and loan repayment schedules

🏠
Launch →

EMI Calculator

Calculate monthly installment for home, auto, or personal loans

When to Use:

Plan loan affordability, compare loan offers, understand total interest cost

Input Details:
→ Loan amount (principal)
→ Interest rate (% p.a.)
→ Loan tenure (years)
Outputs:
✓ Monthly EMI
✓ Total Interest
✓ Total Amount
✓ Amortization Schedule
Use Cases:
Home loan
Car loan
Personal loan
Education loan
🎯
Launch →

Debt Payoff Planner

Manage multiple debts and plan optimal payoff strategy

When to Use:

Manage credit cards, loans, and debts; choose avalanche or snowball method

Setup:
→ Add multiple debts (name, balance, rate, min payment)
→ Extra monthly payment available
→ Choose strategy (Avalanche or Snowball)
Strategies:
✓ Avalanche Method
✓ Snowball Method
✓ Months to Clear
✓ Total Interest Saved
Perfect For:
Multiple debts
Credit cards
Debt freedom

Insurance, Retirement & Tax

Plan for retirement, understand tax benefits, and calculate benefits

🎓
Launch →

NPS Calculator

National Pension Scheme - tax-efficient retirement savings

When to Use:

Plan retirement corpus, maximize tax deductions, secure pension income

Input:
→ Monthly contribution
→ Expected return rate & current age
→ Retirement age
Get:
✓ Total Contribution
✓ Returns Generated
✓ Retirement Corpus
✓ Monthly Pension (40%)
Benefits:
Tax deduction
Retirement
Pension
🌅
Launch →

Retirement Calculator

Comprehensive retirement planning & corpus requirement

When to Use:

Determine retirement corpus needed, plan monthly investments, track progress

Details Needed:
→ Current age, retirement age, life expectancy
→ Current savings & monthly investment capacity
→ Return rates before/after retirement, expenses
Analysis:
✓ Required Corpus
✓ Projected Corpus
✓ Monthly Needed
✓ Gap Analysis
For:
Complete planning
Early retirement
💼
Launch →

EPF Calculator

Employee Provident Fund - retirement benefits projection

When to Use:

Understand EPF contribution breakdown, project maturity value, retirement planning

Input:
→ Basic salary + DA
→ Employee & employer contribution rates
→ Current balance, interest rate, years to retirement
Breakdown:
✓ Monthly contribution
✓ Employer share
✓ Maturity value
✓ Composition chart
For:
Salaried
Benefits clarity
🏢
Launch →

HRA Exemption

Calculate tax-free HRA exemption based on rules

When to Use:

Determine taxable HRA, optimize rent agreement, plan relocation tax benefits

Input:
→ Basic salary, HRA received monthly
→ Actual rent paid, city type (metro/non-metro)
Calculate:
✓ Exempt Amount
✓ Taxable HRA
✓ Tax impact
✓ Breakdown chart
Important For:
Tax saving
Rent deduction
🎁
Launch →

Gratuity Calculator

Calculate gratuity benefit at retirement or resignation

When to Use:

Know retirement benefit amount, plan exit, understand legal entitlements

Input:
→ Last drawn salary
→ Years of service
Output:
✓ Gratuity Amount
✓ Calculation basis
✓ Legal cap
✓ Visual guide
Applicable For:
Salaried
Retirement benefit
📊
Launch →

Income Tax (Indicative)

Quick estimate of income tax liabilities

When to Use:

Quick tax estimate, plan deductions, understand tax brackets, ITR prep

Input:
→ Annual income & total deductions
→ Age group (below 60, 60-80, above 80)
Outputs:
✓ Taxable income
✓ Income tax
✓ Cess
✓ Total tax liability
Note:
Indicative only
Educational

Comparisons & Analysis

Compare different financial options and make better decisions

🏡
Launch →

Buy vs Rent Analysis

Compare total cost of buying vs renting property

When to Use:

Major decision: should you buy or rent? Compare lifetime costs, evaluate investment returns

Parameters:
→ Property price, down payment percentage
→ Loan rate, tenure, holding period
→ Monthly rent, rent escalation
Compare:
✓ Total cost if bought
✓ Total cost if rented
✓ Savings difference
✓ Cost breakdown chart
Major Decision:
Real estate
Life planning
📉
NEW Launch →

Inflation Impact

Understand how inflation erodes your money's value

When to Use:

See real returns after inflation, understand purchasing power loss, compare real vs nominal returns

Input:
→ Amount & inflation rate (%)
→ Investment return rate & time period
Get:
✓ Nominal Value
✓ Real Value
✓ Purchasing Power
✓ Real return rate
Critical For:
Long-term plans
Real analysis
Wealth protection