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Every tool is an illustration from the inputs you type and the rules coded on that page. This is the method, not a promise that a bank, broker or the tax department will match the rupee.
Finaura runs in your browser. There is no account and no stored portfolio. Formulas live in the calculator libraries linked from each tool. If a rule can change — tax slabs, brokerage tariffs, notified PPF rates — the page should show a date or financial year so you can see when the illustration was last aligned with those rules.
Important decisions should be verified with the lender, employer, broker, scheme administrator or a qualified professional. Finaura does not provide personalised financial, tax, investment or legal advice. The full wording is on the disclaimer.
The EMI calculator uses the standard reducing-balance formula for a fixed annual rate converted to a monthly rate: EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1). If the rate is zero it falls back to P ÷ n. The amortization schedule is that EMI applied month by month until the balance is cleared, with interest each month equal to rate × opening balance.
Processing fees are treated as an upfront cost unless you add them to principal. Insurance, stamp duty, late fees and floating-rate resets are not in the formula. Lenders round instalments; Finaura’s figure is a planning estimate. Prepayments are not in this tool — they are in the Extra EMI calculator, which simulates the balance period by period because extra payments have no closed-form shortcut.
Read more: How EMI actually works.
SIP, step-up SIP and lumpsum tools compound the cash-flow you enter at the annual rate you type. That rate is an assumption, not a forecast and not a guarantee. The “estimated returns” column is the difference between illustrated future value and amount invested under that assumption.
Expense ratios, capital-gains tax, exit loads and the actual sequence of yearly market returns are omitted. A smooth 12% line is a teaching device. Deposits (FD, RD, PPF) use the compounding conventions described on those calculator pages, not a market SIP rate.
Read more: SIP vs lump sum and how compounding works.
The retirement planner inflates today’s monthly expenses to retirement using the inflation rate you enter, estimates a corpus that could support withdrawals until the end age, grows existing savings at the pre-retirement return assumption, and solves for a monthly contribution to close any gap. Post-retirement return is a separate assumption, often set lower in illustrations.
Longevity, medical inflation, taxes on withdrawals and market sequence risk are not fully modelled. Changing inflation by one percentage point is supposed to move the answer a lot — that is the point of the tool.
Read more: How much to save for retirement and how inflation changes corpus.
Income-tax and in-hand salary tools use the slabs, rebate, surcharge and cess coded for a labelled financial year (currently FY 2025-26 / AY 2026-27). Old-regime deduction ceilings are applied per section. New-regime calculations do not allow the same Chapter VI-A deductions. Cess is applied after surcharge and marginal relief as implemented in the tax module.
Special-rate capital gains, section 89 relief, AMT and employer-specific TDS calendars are out of scope. When a Finance Act changes slabs, the year label and the data objects in the tax module should be updated together. Until then, do not treat an old screenshot as current law.
Read more: CTC vs take-home.
The brokerage calculator adds brokerage from a modelled default retail plan to statutory levies (STT, exchange charges, GST, SEBI turnover, stamp duty and related small levies) for the segment you select. Buy and sell are both priced. Break-even is the exit price that sets net profit to zero under that stack.
Plans are the publicly advertised defaults as of the last-verified date on the page. Prime, subscription and negotiated tariffs are omitted. Brokers and exchanges change rates. Confirm on the broker’s charges page before you trade. Cost differences are not a ranking of which broker is best.
Read more: Understanding brokerage and charges.