Understand Your Money.
Make Smarter Financial Decisions.
Financial tools, government schemes, loans, investments and tax information — for India.
- Free financial calculators
- Compliance & filing services
- Built for Indian users
Compliance & filing, handled end-to-end.
Registration, filing and returns — managed by professionals so you can focus on your business, not paperwork.
Udyam Registration
MSME registration for micro, small and medium enterprises — enabling priority lending, subsidies and government scheme benefits.
Enquire about this serviceGST Registration
New GST registration for businesses, e-commerce sellers and service providers — with documentation support and follow-up.
Enquire about this serviceIncome Tax Return Filing
ITR filing for salaried individuals, professionals and businesses — with regime comparison and deduction review.
Enquire about this serviceGST Return Filing
Monthly, quarterly and annual GST returns — GSTR-1, GSTR-3B and reconciliation support for registered businesses.
Enquire about this serviceFees and timelines are shared on enquiry. Capnomic coordinates with licensed professionals for statutory filings — we do not provide legal or tax advice.
What do you want to do?
Live Financial Calculators
Calculated using the standard reducing-balance EMI formula.
- Principal Amount
- ₹25,00,000
- Total Interest
- ₹26,86,160
- Total Payable
- ₹51,86,160
Indicative result only. Actual EMI may differ due to processing fees, insurance, prepaid interest or lender-specific rounding.
Assumes a constant monthly return. Actual market returns will vary.
- Total Invested
- ₹12,00,000
- Estimated Returns
- ₹11,23,391
- Future Value
- ₹23,23,391
This is a mathematical projection, not a promise of returns. Mutual fund investments are subject to market risk.
Popular Financial Tools
No tools match your search in this category.
Explore by financial need
Government Schemes You Should Know
Pradhan Mantri Awas Yojana (PMAY)
Interest subsidy support on home loans for eligible first-time home buyers under the affordable housing framework.
Estimate your home loan EMISukanya Samriddhi Yojana (SSY)
A long-term small savings scheme for a girl child’s education and future, with sovereign-backed interest and tax benefits.
Understand small savings optionsPM-KISAN Samman Nidhi
Direct income support paid in instalments directly into the bank accounts of eligible landholding farmer families.
Plan household cash flowAtal Pension Yojana (APY)
A government-backed pension scheme offering a guaranteed minimum monthly pension after age 60, subject to scheme conditions.
Explore retirement planningPradhan Mantri MUDRA Yojana
Collateral-free loan categories (Shishu, Kishore, Tarun) offered through banks, NBFCs and microfinance institutions.
Understand business borrowingLakhpati Didi Initiative
Skill development and micro-credit support aimed at helping SHG households build sustainable, higher annual incomes.
Learn about responsible creditScheme details are summarised for general understanding. Eligibility, benefit amounts and interest rates are revised periodically by the implementing authority — always confirm current terms on the official scheme portal before applying.
Loans & Borrowing
Explore loan toolsHome Loans
Long-tenure secured borrowing with tax deductions.
Personal Loans
Unsecured, quick disbursal, higher rate.
Vehicle Loans
Asset-backed financing for two-wheelers and cars.
Education Loans
Funding for higher studies, with moratorium options.
Loan Comparison
Compare rates, fees and tenure across lenders.
Loan Eligibility
Understand borrowing capacity and FOIR.
Invest & Grow
From your first SIP to long-term wealth. Understand the instruments before you invest.
-
Step 1
Invest
Start a monthly SIP or a one-time lumpsum.
-
Step 2
Grow
Give compounding time to work in your favour.
-
Step 3
Review
Rebalance as your goals and age change.
-
Step 4
Achieve
Withdraw in a planned way when the goal arrives.
Common investment instruments in India
Risk ladder
Indicative classification — where common instruments sit on the risk spectrum.
-
Savings & Fixed Deposits Very low
-
PPF / Small Savings Low
-
Debt Funds & Bonds Low to moderate
-
Gold & Hybrid Funds Moderate
-
Equity Mutual Funds / SIP High
Simplified, indicative view. Higher potential returns generally come with higher short-term risk. Match the instrument to your time horizon.
Tax & Savings
Compare the two regimes and check which deductions apply to your situation.
Old vs New Regime
FY 2026–27 · AY 2027–28Move the slider to compare.
Indicative estimate only for a resident salaried individual below 60 with no other income. New regime assumes the standard deduction of ₹75,000 plus the Section 87A rebate where applicable. Old regime assumes the standard deduction of ₹50,000 plus typical deductions of ₹1,75,000. Surcharge, professional tax, capital gains and other incomes are excluded. Verify current rates with the Income Tax Department before relying on this estimate.
Deduction checklist
Commonly used provisions under the old regime.
-
80C
Investments and contributions
EPF, PPF, ELSS, life insurance premium, home loan principal, children’s tuition fees and specified small savings.
-
80D
Health insurance premium
Premium paid for self, family and parents, with higher limits available for senior citizens.
-
80CCD(1B)
National Pension System
An additional deduction for contributions to NPS, over and above the Section 80C limit.
-
HRA
House Rent Allowance
Exemption computed as the least of actual HRA, rent minus 10% of salary, or 50%/40% of salary depending on city.
Most of these deductions are available only under the old regime. Limits and conditions are set by law and may change — confirm the current position before relying on them.
Credit & Debt
How lenders see you, and how to keep borrowing affordable over the long run.
Credit Score Basics
What a credit score represents, who computes it, and why lenders treat it as a primary signal.
Credit Health Checklist
On-time payments, low utilisation, stable enquiries — the practical habits that matter most.
Debt-to-Income Ratio
How much of your monthly income goes to repayments, and why lenders watch this closely.
Loan Affordability
A loan is affordable when the EMI fits within your income — not when a lender approves it.
Credit Card Basics
Interest-free periods, minimum due traps, revolving credit and why paying in full matters.
Responsible Borrowing
Borrow for assets and planned needs, keep total EMIs manageable, and avoid stacking unsecured debt.
Capnomic does not access, retrieve or display your personal credit report or score. The content here is educational.
Protect What Matters
Insurance is about covering risk, not generating returns.
Term Life Insurance
Pure protection for your family. Cover amount should reflect income, liabilities and dependants.
Health Insurance
Check sub-limits, waiting periods, room-rent rules and network hospitals before you buy.
Motor Insurance
Third-party cover is mandatory. Comprehensive adds own-damage protection.
Home & Contents
Structure and contents protection against fire, theft and specified perils.
Claim Basics
Intimation timelines, documentation and why accurate disclosure at proposal stage matters.
Policy Comparison
Compare on coverage and exclusions first, premium second.
Capnomic does not provide personalised insurance advice or sell policies. Content is general and educational.
Plan Your Financial Future
Work backwards from the goal. The monthly number is what matters.
Emergency Fund
3–6 months of essential expenses in a low-risk place.
Retirement
Corpus required and the monthly investment to reach it.
Child Education
Plan with a realistic future cost estimate, not today’s fees.
Home Purchase
Down payment, registration costs and a comfortable EMI level.
Goal Planning
Any goal converted into a target amount and monthly figure.
Inflation
What today’s money will be worth years from now.
Net Worth
Assets minus liabilities — the clearest progress snapshot.
Tax-aware Planning
Choose vehicles with an eye on how they are taxed.
Financial Decision Guides
These guides are general educational checklists, not personalised financial advice. Your circumstances may require professional guidance.
Built around clarity, utility and better financial understanding.
Practical
Organised around the decisions people actually make — not around financial terminology.
Clear
Plain language, visible formulas and no hidden assumptions in any calculator.
Useful
Every tool answers a question you came here with, and updates instantly as you type.
India-focused
Built around Indian tax provisions, government schemes, banking practice and rupee amounts.
Technology-driven
Fast, lightweight, mobile-first tools that work without accounts or data collection.