{"product_id":"loan-tax-investment-decision-suite-india","title":"Loan, Tax \u0026 Investment Decision Suite — Old vs New Regime, SIP Planner, Prepay or Invest","description":"\u003ch2\u003eThree money decisions. Actual answers, on your numbers.\u003c\/h2\u003e\n\u003cp\u003eShould you take the old regime or the new one? What does a ₹20,000 SIP really become? Should that Diwali bonus go into the home loan or into the market? Everyone has an opinion. This gives you the arithmetic, using your figures rather than an example from a blog post.\u003c\/p\u003e\n\n\u003ch3\u003eThree calculators\u003c\/h3\u003e\n\u003cp\u003e⚖️ \u003cstrong\u003eOld vs New Regime\u003c\/strong\u003e — Enter your income and deductions; both regimes calculate side by side, down to the cess, including the ₹12 lakh rebate and marginal relief just above it. It names the winner, tells you the rupee difference, and shows how much you'd need to claim in deductions for the old regime to make sense.\u003c\/p\u003e\n\u003cp\u003e📈 \u003cstrong\u003eSIP \u0026amp; Goal Planner\u003c\/strong\u003e — What a monthly SIP grows to, split into what you put in and what returns added. Then in reverse: name a target and it tells you the monthly amount required.\u003c\/p\u003e\n\u003cp\u003e🏦 \u003cstrong\u003ePrepay vs Invest\u003c\/strong\u003e — Interest saved by prepaying your loan against the likely value of investing the same money, with a verdict and the difference. Including the honest caveat: interest saved is certain, investment returns are not.\u003c\/p\u003e\n\n\u003ch3\u003eUpdated for the Income-tax Act, 2025\u003c\/h3\u003e\n\u003cp\u003ePre-filled with rates for \u003cstrong\u003etax year 2026-27\u003c\/strong\u003e — the new Act replaces \"financial year\" and \"assessment year\" with a single tax year. The slab rates carried over unchanged, so the numbers are what you expect. The tax slabs sit in an editable table, not buried in formulas: when a Budget changes rates, you update one table in thirty seconds and everything recalculates.\u003c\/p\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eSalaried earners choosing a regime or planning investment declarations\u003c\/li\u003e\n\u003cli\u003eAnyone with a home, car or personal loan deciding what to do with a bonus or surplus\u003c\/li\u003e\n\u003cli\u003eFirst-time SIP investors who want to see the real numbers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eNot for:\u003c\/strong\u003e filing your return, capital-gains calculations, or incomes where surcharge applies (above ₹50 lakh).\u003c\/p\u003e\n\n\u003ch3\u003eBuilt properly\u003c\/h3\u003e\n\u003cp\u003e✓ Every figure verified against hand calculations\u003cbr\u003e✓ Colour-coded: yellow you fill, shaded calculates itself\u003cbr\u003e✓ Worked examples already in place\u003cbr\u003e✓ Works in Excel, Google Sheets, LibreOffice and Numbers\u003cbr\u003e✓ Instant download, lifetime access, no subscription, your data stays on your device\u003c\/p\u003e\n\n\u003ch3\u003eFAQ\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eDo I need Excel?\u003c\/strong\u003e No. It works in free Google Sheets, on phone or laptop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat happens when the Budget changes slabs?\u003c\/strong\u003e Edit the slab table once; every calculation updates.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eIs this tax or investment advice?\u003c\/strong\u003e No. It's a comparison tool. It doesn't model surcharge, capital gains, or tax on investment returns. For anything you'll act on, confirm with a qualified CA or a SEBI-registered investment adviser.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eHow do I get it?\u003c\/strong\u003e Download link appears instantly after payment and is emailed to you.\u003c\/p\u003e","brand":"YourDigiverse","offers":[{"title":"Default Title","offer_id":62368828391794,"sku":null,"price":499.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0983\/2654\/4754\/files\/cover-suite.png?v=1789735975","url":"https:\/\/yourdigiverse.com\/hi\/products\/loan-tax-investment-decision-suite-india","provider":"YourDigiverse","version":"1.0","type":"link"}