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This application is optimised for desktop computers. Mobile handsets were not commonplace during the era this software was designed for. Please access Monever from a desktop or laptop computer for the intended experience.

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Financial Tools

Calculators to help you plan smarter.

Loan EMI Calculator

Monthly EMI

₹0

Total Interest

₹0

Total Amount

₹0

Fixed Deposit Calculator

Maturity Amount

₹0

Total Interest

₹0

Yield (%)

0%

Yearly Growth Table
Year Interest Earned Closing Balance

SIP Investment Calculator

Total Invested

₹0

Estimated Returns

₹0

Total Value

₹0

SIP vs Lump Sum Comparison
Lump Sum Equivalent

₹0

Value if the same total investment was made as a one-time lump sum today.

Future Milestones
Period Value

Step-up SIP

Uses Monthly Investment and Return Rate from above.

Final Monthly Investment

₹0

Total Invested

₹0

Estimated Returns

₹0

Total Maturity Value

₹0

Year Monthly Investment Cumulative Invested Projected Value

PPF Savings Calculator

Total Deposited

₹0

Total Interest

₹0

Maturity Value

₹0

Duration

15 Years

Projected Schedule (Simplified Annual Compounding)
Year Opening Deposit Interest Closing

NPS Calculator

National Pension System Retirement & Tax Planning.

Total Corpus

₹0

Lump Sum (Tax-Free)

₹0

Annuity Corpus

₹0

Monthly Pension

₹0

NPS Tax Benefits (Section 80CCD)
80CCD(1) benefit: Up to ₹1,50,000 deduction (part of 80C limit)
80CCD(1B) benefit: Additional ₹50,000 deduction exclusively for NPS over and above 80C.
Projected Corpus Growth (5-Year Intervals)
Age Annual Contribution Cumulative Investment Projected Corpus

ELSS Calculator

Equity Linked Savings Scheme 80C Tax Saving with Wealth Creation.

Maturity Value

₹0

Total Invested

₹0

Estimated Returns

₹0

Total Tax Saved

₹0

Over the full tenure of investment.

Effective Return %

0%

Accounting for upfront tax benefits.

Tax-Saving Instruments Comparison
Feature ELSS Tax-Saving FD PPF
Lock-in Period 3 Years 5 Years 15 Years
Exp. Returns 12 - 15% 6.5 - 7% 7.1% (Fixed)
Tax on Maturity 10% (above ₹1L) Taxable Tax-free
80C Benefit Yes Yes Yes
Risk Level High (Equity) Low / None None (Govt)

Note: LTCG above ₹1,00,000 per year is taxed at 10% without indexation as per current tax laws. This calculator does not account for LTCG tax on maturity.

Rent vs Buy Calculator

Should you rent or take a home loan?

Renting

Difference between EMI and Rent.

Buying

Renting Summary
Total Rent Paid:
Final Net Worth:
Buying Summary
Total Outflow:
Final Net Worth:
Yearly Net Worth Comparison
Year Buying Net Worth Renting Net Worth Difference

50/30/20 Budget Planner

A simple framework to allocate your monthly income.

Needs (50%)

₹0

Wants (30%)

₹0

Savings (20%)

₹0

Category Suggested Your Plan

Category Suggested Your Plan

Category Suggested Your Plan

Allocated: ₹0 of ₹0 income ₹0 remaining

Inflation Calculator

What is your money really worth over time?

Future Amount Needed

₹0

Purchasing Power Lost

₹0

Monthly Equivalent

₹0

Year-by-Year Value Needed
Year Value Needed to Match Today's ₹0
Real-World Context
Expense Category Today's Cost Future Cost (10 yrs)
Inflation vs Investment

Inv. Return Rate %

Salary Breakup Analyser

Enter your CTC find out your actual in-hand salary.

Monthly Breakup
Component Amount
Annual Summary
Annual CTC

₹0

Annual Gross

₹0

Total Deductions

₹0

Annual In-Hand

₹0

Disclaimer: This is an estimate based on simplified assumptions. Actual in-hand salary varies by company pay structure, declared tax-saving investments under 80C/80D, and final TDS computation by your employer. Always refer to your official payslip for exact figures.

Your Money Clock

Watch your earnings tick in real time.

Per Second: ₹0.00
Per Minute: ₹0.00
Per Hour: ₹0.00
Today So Far: ₹0.00
Hourly Rate

₹0

Daily Earnings

₹0

Weekly Earnings

₹0

Monthly Earnings

₹0

Earnings Context
Time Spent You Earned

Cost of Procrastination

The exact rupee cost of starting late.

Impact Assessment

Estimated loss for just 1 year delay:

₹0

Every year you wait costs you this much at retirement.

Delay Comparison Table
Scenario Monthly Inv. Total Invested Maturity Value Cost of Waiting
What if you increased your investment to compensate?

The higher monthly investment needed to reach the same maturity value as starting today.

Delay Scenario New Monthly Inv. Needed Extra Monthly Cost Total Extra Paid

Wealth Timeline

When will you hit your next milestone?

Corpus in 5 Years

₹0

Corpus in 10 Years

₹0

Corpus in 20 Years

₹0

Corpus in 30 Years

₹0

Crore Counter

How long until you hit ₹1 Crore?

Milestone Progress
Total Invested

₹0

Returns Earned

₹0

Savings Rate

0%

Needed for 10Y

₹0

Milestone Table
Year Age Corpus Value % of Target reached

Job Offer Comparator

Compare two job offers beyond just the salary.

Offer A
Offer B

This tool cannot measure: company culture, manager quality, actual learning opportunities, job satisfaction, or team dynamics. Use this score as one input among many.

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