Frequently Asked Questions

Our calculators are fully optimized for mobile devices. Simply:

• Visit our website on your mobile browser
• Select any calculator from the menu
• Enter values using the touch-friendly interface
• Use sliders for easy input adjustment

All features work seamlessly on smartphones and tablets.

You can save results by:

• Screenshot: Take a screenshot of your results
• Print: Use your browser's print function
• Copy: Copy specific values to paste elsewhere
• Bookmark: Bookmark the page with your inputs

We're working on a "Save Results" feature for registered users.

Differences can occur due to:

• Formula variations: Different calculation methods
• Data updates: We use the latest interest rates and tax slabs
• Assumptions: Different default assumptions about compounding frequency
• Rounding: How decimal places are handled

Our calculators are specifically designed for Indian markets with current regulations.

No account required! All calculators are accessible without registration.

This ensures:

• Immediate access to all tools
• Complete privacy of your calculations
• No spam or promotional emails
• Hassle-free financial planning

Plan My Money works on all modern browsers:

• Chrome: Recommended for best performance
• Firefox: Full compatibility
• Safari: iOS and macOS supported
• Edge: Windows users supported
• Mobile browsers: All major mobile browsers

For optimal experience, please use updated browser versions.

SIP Calculator: For regular monthly investments

• Systematic Investment Plan calculations
• Shows rupee cost averaging benefits
• Ideal for salary earners

Lump Sum Calculator: For one-time investments

• Single large investment calculations
• Immediate full market exposure
• Suitable for bonus/inheritance money

We update return assumptions quarterly based on:

• Historical data: Past 5-10 year performance
• Market conditions: Current economic environment
• Category averages: Equity, debt, hybrid fund performance
• Expert analysis: Financial advisor recommendations

Default assumptions are conservative to provide realistic expectations.

Yes! You can compare investments by:

• Opening multiple calculator tabs
• Using the same investment amount and time period
• Comparing final values and returns
• Considering tax implications for each option

Popular comparisons: PPF vs ELSS, FD vs Mutual Funds, NPS vs EPF

Our EMI calculations are highly accurate using the standard formula:

EMI = P × r × (1+r)^n / ((1+r)^n-1)

However, actual EMIs may vary slightly due to:

• Processing fees and charges
• Insurance premiums
• Interest rate fluctuations (for floating rates)
• Prepayment options

Always confirm final terms with your lender.

Fixed Rate: Use current offered rate for entire tenure

Floating Rate: Use current rate as starting point, but remember:

• EMI will change with rate fluctuations
• Consider rate cycle trends
• Plan for potential 1-2% rate variation
• Use our "What-if" scenarios for rate changes

Reducing Rate (Recommended):

• Interest calculated on outstanding principal
• Total interest decreases over time
• Used by most banks and NBFCs
• Lower total interest payment

Flat Rate:

• Interest calculated on original principal
• Higher total interest payment
• Used by some personal loan providers
• Simple but expensive