Smart Budget Planner
See exactly where your salary goes each month, how much you're really saving, and how that compares to typical households in your city.
Use take-home (post-tax) income for an accurate savings percentage.
What this number means
Your savings percentage shows how much of every ₹100 you earn is actually being kept, not spent.
How to use it
Enter approximate monthly figures. Round to the nearest hundred — precision matters less than an honest picture.
Important note
This is a snapshot based on what you enter. It doesn't account for irregular income or one-off expenses.
EMI Calculator
Work out your monthly EMI, total interest, and how much of each payment goes to principal versus interest.
Calculated using the reducing balance method — the standard used by Indian banks and NBFCs, where interest is charged only on the outstanding principal each month.
What this number means
Your EMI is the fixed amount you'll pay every month until the loan is fully repaid.
How to use it
Compare EMIs across different tenures — a longer tenure lowers the monthly EMI but raises total interest paid.
Important note
Actual EMI may vary slightly based on your lender's calculation method and processing fees.
SIP Calculator
Project how a monthly SIP could grow through the power of compounding — and see how much of the final value is your own money versus market growth.
Estimated returns are illustrative only, based on the rate you enter — not guaranteed or promised by ArthVed Media.
What this number means
Estimated final value is what your total investment could grow to, assuming a steady annual return.
How to use it
Try a conservative rate (10–12%) and an optimistic one separately, to see a realistic range rather than one number.
Important note
Mutual fund returns fluctuate and are never guaranteed. Past or assumed performance doesn't predict future results.
Emergency Fund Calculator
Find your ideal safety cushion based on your expenses, dependents, and how stable your income really is — then see how far your current savings already take you.
What this number means
Your recommended fund is a cushion of essential expenses to cover you if income stops suddenly.
How to use it
Income stability and dependents both increase the safe cushion — the less predictable your income, the larger it should be.
Important note
This is a general guideline. Your personal circumstances may call for more or less than the suggested amount.
Couple Money Planner
Bring both incomes and expenses into one view — built for couples planning finances together, inspired by Money Mindset India: For Couples.
Enter take-home (post-tax) income for the most accurate picture — using gross salary will overstate your actual surplus.
What this number means
Your snapshot shows combined income, shared costs and how close you are to your joint savings goal.
How to use it
Fill this in together — it works best as a conversation, not a solo exercise.
Important note
Money habits differ between partners. This tool shows numbers only; how you act on them is a personal decision.
Continue the conversation about money
These tools give you the numbers. Our books and stories help you understand the habits behind them.
ArthVed Money Tools are educational calculators intended to help you understand your finances. They are not personalised financial, tax, or investment advice, and ArthVed Media does not guarantee any financial outcome or investment return. For decisions specific to your situation, please consult a qualified financial advisor.