Loan, Tax & Investment Decision Suite — Old vs New Regime, SIP Planner, Prepay or Invest

Three money decisions. Actual answers, on your numbers.

Should 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.

Three calculators

⚖️ Old vs New Regime — 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.

📈 SIP & Goal Planner — 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.

🏦 Prepay vs Invest — 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.

Updated for the Income-tax Act, 2025

Pre-filled with rates for tax year 2026-27 — 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.

Who it's for

• Salaried earners choosing a regime or planning investment declarations
• Anyone with a home, car or personal loan deciding what to do with a bonus or surplus
• First-time SIP investors who want to see the real numbers

Not for: filing your return, capital-gains calculations, or incomes where surcharge applies (above ₹50 lakh).

Built properly

✓ Every figure verified against hand calculations
✓ Colour-coded: yellow you fill, shaded calculates itself
✓ Worked examples already in place
✓ Works in Excel, Google Sheets, LibreOffice and Numbers
✓ Instant download, lifetime access, no subscription, your data stays on your device

FAQ

Do I need Excel? No. It works in free Google Sheets, on phone or laptop.

What happens when the Budget changes slabs? Edit the slab table once; every calculation updates.

Is this tax or investment advice? 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.

How do I get it? Download link appears instantly after payment and is emailed to you.