Breakout trade
Founder and editor — builds and checks everything on this site
Maintained by Breakout trade, who builds and checks every calculator and page on this site. Each formula is written as a tested function, checked against the relevant Act, rule or official circular, and re-verified whenever the Budget or a regulator changes something. Where a calculation depends on an assumption — a compounding convention, a typical salary structure — it is stated on the page rather than hidden. Every factual claim is traced to an official source, the source is linked on the page, and the date it was last checked is shown.
Covers
- Income tax
- Salary structure
- EPF and gratuity
- Loans and EMI
- Small savings schemes
- Government schemes
- Government recruitment
- Official document processes
Corrections and questions: Supportbreakouttrade@gmail.com
The standard this desk works to
Every page maintained here has to trace its factual claims to a primary source, link that source, state its assumptions, and show when it was last updated. Government pages additionally show the date the official source was last verified.
The full standard is in our editorial policy and fact-checking policy. If something falls short of it, the corrections policy explains what happens when you tell us.
Calculators maintained (35)
- Income Tax Calculator 2026-27Estimate tax for FY 2026-27 (AY 2027-28) and see which regime leaves you better off.
- Salary CalculatorFull salary structure: components, deductions and monthly take-home.
- CTC to In-Hand Salary CalculatorTurn an offer letter CTC into the number that reaches your bank account.
- GST CalculatorAdd or remove GST, with the CGST, SGST and IGST split.
- PF CalculatorMonthly EPF and EPS split from your basic salary.
- EPF CalculatorProject your provident fund corpus at retirement, year by year.
- Gratuity CalculatorWhat you are owed after five years, under the statutory formula.
- EMI CalculatorMonthly instalment, total interest and full repayment schedule for any loan.
- Home Loan EMI CalculatorEMI and total interest on a housing loan, starting from the property price.
- Personal Loan EMI CalculatorEMI and true cost of an unsecured personal loan.
- Car Loan EMI CalculatorVehicle loan instalment starting from the on-road price and down payment.
- Loan Interest CalculatorHow much of your repayment is interest, and what a shorter tenure would save.
- SIP CalculatorWhat a monthly investment could grow to, with optional annual step-up.
- Lumpsum Investment CalculatorGrowth of a single one-time investment over time.
- FD CalculatorFixed deposit maturity value with quarterly compounding.
- RD CalculatorMaturity value of a monthly recurring deposit.
- PPF Calculator15-year Public Provident Fund projection, year by year.
- NPS CalculatorRetirement corpus, lump sum and estimated monthly pension.
- Simple Interest CalculatorInterest that never compounds, plus a comparison against compounding.
- Compound Interest CalculatorInterest on interest, at any compounding frequency.
- Inflation CalculatorWhat today’s money will be worth, and what things will cost.
- Age CalculatorExact age in years, months and days, plus your next birthday.
- Date Difference CalculatorDays, weeks, months and working days between two dates.
- Date CalculatorAdd or subtract days, weeks, months and years from any date.
- Time CalculatorAdd or subtract durations, with decimal hours for timesheets.
- Percentage CalculatorEvery common percentage question in a single tool.
- Percentage Increase CalculatorApply a rise, or find the rise between two values.
- Percentage Decrease CalculatorApply a fall, or find the fall between two values.
- Discount CalculatorFinal price after one or two discounts, with the real effective rate.
- BMI CalculatorBody mass index against both WHO and Indian cut-offs.
- Unit ConverterLength, weight, area, volume, speed and digital storage in one tool.
- Length ConverterMetres, feet, inches, kilometres and miles.
- Weight ConverterKilograms, grams, pounds, quintals and tola.
- Temperature ConverterCelsius, Fahrenheit and Kelvin, with reference points.
- Currency ConverterRupee against major currencies, using published reference rates.
Government schemes (12)
- PM-KISAN — Pradhan Mantri Kisan Samman NidhiAn income support scheme that pays eligible landholding farmer families ₹6,000 a year, transferred directly to their bank accounts in three instalments of ₹2,000.
- Ayushman Bharat PM-JAY — ₹5 Lakh Health CoverA health assurance scheme providing up to ₹5 lakh per family per year of cashless secondary and tertiary hospital treatment at empanelled public and private hospitals.
- Pradhan Mantri Awas Yojana — Urban 2.0A housing scheme helping urban poor and middle-class families construct, purchase or rent an affordable home, with government assistance of up to ₹2.50 lakh per unit.
- Pradhan Mantri Ujjwala Yojana — LPG ConnectionA scheme providing deposit-free liquefied petroleum gas connections to adult women from eligible households, to replace solid cooking fuels.
- Sukanya Samriddhi Yojana — Savings Scheme for a Girl ChildA government small savings scheme for a girl child under ten, currently paying one of the highest notified small savings rates, with fully tax-free interest and maturity.
- PM SVANidhi — Working Capital Loans for Street VendorsA micro-credit scheme giving street vendors collateral-free working capital loans, with an interest subsidy on timely repayment and rising loan limits for those who repay on schedule.
- Atal Pension Yojana — Guaranteed Pension After 60A pension scheme for workers in the unorganised sector, giving a guaranteed monthly pension of between ₹1,000 and ₹5,000 from the age of 60.
- PM Jan Dhan Yojana — Zero-Balance Bank AccountA financial inclusion scheme providing a basic savings account with no minimum balance requirement, a RuPay debit card with insurance cover, and access to an overdraft facility.
- PM Jeevan Jyoti Bima Yojana — ₹2 Lakh Life CoverA term life insurance scheme giving ₹2 lakh of cover for any cause of death, for an annual premium auto-debited from your bank account.
- PM Suraksha Bima Yojana — ₹2 Lakh Accident CoverAn accident insurance scheme giving ₹2 lakh for accidental death or total permanent disability, and ₹1 lakh for partial permanent disability, for a nominal annual premium.
- PM Mudra Yojana — Collateral-Free Business LoansA scheme under which banks and other lenders provide collateral-free loans to small non-corporate, non-farm businesses, in graduated categories.
- PM Vishwakarma — Support for Traditional ArtisansA scheme supporting traditional artisans and craftspeople working with their hands and tools, through recognition, skill training, a toolkit incentive and collateral-free credit.
Document guides (20)
- Aadhaar — Update, Download, Lock and VerifyUpdate, download, lock and verify your Aadhaar through the official UIDAI portal.
- PAN Card — Apply, Correct, Link and VerifyApply, correct, link with Aadhaar and check the status of your PAN.
- EPFO — Member Portal, Passbook, Claims and TransfersCheck your balance, update KYC, file claims and transfer your PF account.
- UAN — Universal Account Number for EPFActivate your UAN, recover a forgotten one, and keep a single UAN across jobs.
- Voter ID — Register, Correct and Find Your Polling BoothRegister to vote, correct details, transfer constituency and download e-EPIC.
- Driving Licence — Learner’s, Permanent, Renewal and DuplicateLearner’s licence, permanent licence, renewal, duplicate and adding a class.
- Passport — Apply, Renew, Tatkaal and Police VerificationApply, reissue, book an appointment and understand police verification.
- DigiLocker — Store and Share Official DocumentsFetch, store and share official documents with legal validity.
- Ration Card — Apply, Update and Use It AnywhereApply, update members, complete e-KYC and use it in another State.
- Income Certificate — Apply and RenewApply through your State revenue portal, and understand its validity.
- Caste Certificate — SC, ST and OBCApply for an SC, ST or OBC certificate through your State revenue portal.
- Domicile Certificate — Proof of Residence in a StateProve permanent residence in a State for admissions, jobs and schemes.
- Birth Certificate — Register, Apply and CorrectRegister a birth, obtain the certificate and correct errors.
- Death Certificate — Register and ObtainRegister a death, obtain certified copies, and what they are needed for.
- Income Tax Return — Who Must File, and HowWho must file, which form applies, and how to file and verify.
- GST Registration — Who Needs It and How to RegisterWho needs a GSTIN, the documents required, and how to register.
- ESIC — Employees’ State InsuranceMedical, sickness, maternity and disability cover for lower-wage employees.
- Vehicle RC — Transfer, Duplicate and HypothecationTransfer ownership, remove hypothecation, get a duplicate or an NOC.
- Legal Heir and Succession CertificatesWhich certificate you need after a death, and how to obtain it.
- Marriage Certificate — Registration and Why It MattersRegister a marriage, and understand which Act applies.
Articles (22)
- How CTC Becomes In-Hand SalaryCTC is what you cost your employer. In-hand is what reaches your account. Here is exactly what sits between the two.
- How PF Is Calculated From Your SalaryProvident fund is 12% of basic plus DA from each side — but the two halves are not treated the same, and the ₹15,000 ceiling changes the picture considerably.
- How Gratuity Is Calculated in IndiaGratuity is fifteen days of basic pay for every completed year, on a twenty-six day month. The details around that formula decide how much you actually get.
- How EMI Actually WorksAn EMI is fixed, but what sits inside it changes every month. Understanding that split explains almost everything else about borrowing.
- How Loan Tenure Changes What You PayThe trade-off between EMI and tenure is not symmetric. Seeing the actual numbers usually changes the decision.
- How to Reduce Your Home Loan EMIThere are five real ways to reduce what a home loan costs you. They differ in effort, in saving, and in whether they lower the instalment or the total.
- How SIP Returns Are CalculatedA SIP is not one investment growing at a rate. It is many investments, each compounding for a different length of time.
- Old vs New Tax Regime: Which One Fits YouThe new regime has wider slabs and almost no deductions. The old regime has narrower slabs and a long list of them. Which wins depends entirely on your numbers.
- Why Compounding Frequency Changes Your ReturnTwo deposits at "7%" can pay different amounts. The difference is how often the interest is credited.
- What Inflation Does to Your SavingsThe return that matters is what is left after inflation and tax. For many safe deposits, that number is close to zero.
- How to Check Your EPFO BalanceFour official routes, all free. The differences are convenience and how much detail you get.
- How to Link PAN With AadhaarLinking takes a few minutes when the details match, and is a genuine problem when they do not. Here is both paths.
- How to Find Government Schemes You Qualify ForThere are official directories that let you search schemes by eligibility. Most people never find them because unofficial sites rank above them.
- How to Apply for a Government SchemeMost rejected applications fail on the same handful of things. Getting those right first makes the actual application straightforward.
- How to Save Tax on Salary, HonestlyMost tax-saving advice is a list of products. This is the order to actually think in — because under the new regime, most of that list does nothing.
- How Much Home Loan Can You Get on Your SalaryLenders work backwards from the EMI they think you can service. Here is the arithmetic they use, and why the maximum is rarely the right number.
- How to Read Your Salary SlipA payslip has two columns and about a dozen lines. Knowing which are yours, which are the government’s and which are neither takes ten minutes to learn.
- What Form 16 Is, and How to Read ItForm 16 is your employer’s statement of what they paid you and what tax they deducted. Checking it against the department’s own records takes five minutes and prevents most filing problems.
- How to Withdraw PF OnlineOnline PF claims work well when the underlying records are clean. Almost every rejection is a record problem, not an eligibility problem.
- FD, PPF or SIP: Choosing Between ThemThese three are not competing products. They answer different questions, and the useful comparison is against a goal rather than against each other.
- How to Spot a Fake Government WebsiteGovernment services are among the most imitated things on the Indian internet. Four checks eliminate almost all of the risk.
- Why a Government Payment Never ArrivesMost missing government payments are not rejections. The sanction went through and the transfer failed — almost always at the bank account.