VijayaRaj Consultancy Services — House of Financial Freedom
VijayaRaj Consultancy Services — House of Financial FreedomFinancial Calculators

Every money decision, computed in seconds

Free planning tools built by our advisory team — instant results as you move the sliders, shareable links, and plain-language explanations. No sign-up needed.

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i-Wealth Management Session

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i-Wealth Management Session

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i-Wealth Account

All types of investments

i-Wealth Account

Open your investment account with Nivesh — mutual funds, SIPs, bonds, NPS and more, all in one place.

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NPS Vatsalya & NPS for Gen Z

ICICI NPS

Certified genuine registration link for the National Pension System, including the new NPS Vatsalya and Gen Z funds.

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i-LAS Account

Loan against mutual funds & shares

i-LAS Account

Unlock liquidity without selling your portfolio — borrow against your mutual fund and share holdings via Volt Money.

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altGraaf

Invoice discounting

altGraaf

An assured, guaranteed-return debt asset class through invoice discounting — diversify beyond equity and traditional debt.

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Investment

SIP Calculator

Project the future value of a monthly SIP investment.

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Lumpsum Investment Calculator

See what a one-time investment grows into over the years.

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Wealth Growth Calculator

Combine a starting corpus with monthly investing in one projection.

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Savings Calculator

Watch regular monthly savings build up with interest.

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Step-up SIP Calculator

Grow your SIP every year alongside your income.

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SIP Delay Calculator

Put a number on the cost of starting late.

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SWP Calculator

Plan steady monthly withdrawals from your corpus.

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Mutual Fund Returns Calculator

Work out what your fund actually returned.

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CAGR Calculator

The compound annual growth rate between two values.

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Investment Return Calculator

Absolute and annualised return on any investment.

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Compound Interest Calculator

Interest on interest, at any compounding frequency.

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Simple Interest Calculator

Flat interest on the principal alone.

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Loans

EMI Calculator

Monthly instalment, total interest and payoff schedule for any loan.

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Home Loan EMI Calculator

Plan your home loan instalments over 10–30 years.

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Personal Loan EMI Calculator

Short-tenure, higher-rate loans — know the real cost.

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Car Loan EMI Calculator

Instalments for new and used car loans.

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Education Loan EMI Calculator

Plan repayments after the moratorium ends.

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Loan Eligibility Calculator

The loan amount lenders will realistically sanction.

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Loan Affordability Calculator

Work backwards from a comfortable EMI to a budget.

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Loan Balance Transfer Calculator

Is refinancing at a lower rate actually worth it?

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Loan Prepayment Calculator

Interest and years saved by paying a little extra.

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Deposits & Schemes

FD Calculator

Fixed deposit maturity with quarterly compounding.

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RD Calculator

Recurring deposit maturity for monthly savers.

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PPF Calculator

Tax-free, government-backed 15-year compounding.

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EPF Calculator

Your provident fund corpus at retirement.

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NPS Calculator

Pension corpus, lumpsum and monthly pension at 60.

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Retirement & Goals

Inflation Calculator

What today's money will (not) buy tomorrow.

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Retirement Planning Calculator

The corpus you need — and the SIP that gets you there.

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Goal Planning Calculator

Price any life goal at future cost and plan the investment.

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Child Education Planning Calculator

Fund tomorrow's degree at tomorrow's prices.

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Marriage Planning Calculator

Plan the wedding fund without last-minute borrowing.

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Asset Allocation Calculator

A sensible equity–debt–gold split for your age and risk.

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Tax & Salary

Income Tax Calculator (FY 2025-26)

New vs old regime, computed side by side.

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Tax Saving Calculator

What your 80C, 80D and NPS deductions actually save.

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HRA Exemption Calculator

How much of your house rent allowance is tax-free.

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Gratuity Calculator

Your statutory gratuity after 5+ years of service.

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Salary / In-Hand Calculator

CTC to monthly take-home, component by component.

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GST Calculator

Add or remove GST at any rate in one step.

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Stamp Duty & Registration Calculator (Karnataka)

The government charges on your Bengaluru property purchase.

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Free Consultancy

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Clients
500+
Projects
50+
Awards
20+
Employees
10+

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Credentials

Awards & Recognition

Investment recognition from Nivesh, backed by current financial-planning and mutual-fund training. Select any item to read it full size.