Free Financial Planning Calculators
Professional tools by Uva Kondisetty for retirement, investments, and early withdrawal strategies
🎯 Purpose
This platform by Uva Kondisetty provides sophisticated financial planning calculators designed to help individuals plan for retirement, optimize investment strategies, and manage early withdrawal plans. Whether you're calculating SEPP 72(t) withdrawals, projecting 401k growth, planning SIP/SWP investments, analyzing mortgage payments, tracking monthly expenses, or need quick access to live metals prices and currency rates, these free tools offer detailed analysis with professional-grade calculations for both US (USD) and Indian (INR) markets.
🛠️ Available Tools
SEPP Calculator
Calculate substantially equal periodic payments (SEPP) under IRS Section 72(t) for penalty-free early withdrawals from retirement accounts. Compare all three IRS-approved methods with detailed projections.
- ✓ Method 1: RMD (Variable payments)
- ✓ Method 2: Amortization (Fixed payments)
- ✓ Method 3: Annuitization (Fixed payments)
- ✓ Up to 21-year projection analysis
- ✓ Tax impact calculations
- ✓ Comprehensive comparison summary
- ✓ Interactive help modals with formulas
401k Projector
Advanced 401k projection calculator with dynamic contribution optimization, employer matching, and multi-account tracking. Perfect for long-term retirement planning with detailed analytics.
- ✓ Dynamic contribution percentage calculation
- ✓ Automatic employer matching (up to 6%)
- ✓ 401a and 401k account tracking
- ✓ Bonus contribution optimization (50% allocation)
- ✓ Annual salary increase projections
- ✓ Colorful summary analytics dashboard
- ✓ Interactive help system
Investment Planning Tools
Comprehensive investment planning suite with SIP (Systematic Investment Plan), SWP (Systematic Withdrawal Plan), Lumpsum, Retirement Planning, Monthly Expenses, and Mortgage/EMI calculators. Support for multiple currencies (USD & INR) with advanced features for US and Indian markets.
- ✓ Multi-currency support (USD $ & INR ₹)
- ✓ SIP Calculator with step-up option & frequency selection (monthly, quarterly, yearly)
- ✓ SWP Calculator with tax planning & active trading mode
- ✓ Lumpsum Calculator with compound interest and growth analysis
- ✓ Retirement Planner with goal-based planning and inflation adjustment
- ✓ Monthly Expenses Calculator with budget tracking and savings rate
- ✓ Mortgage Calculator (US) with PMI, property tax, insurance, HOA, utilities
- ✓ EMI Calculator (India) with amortization schedule
- ✓ Intelligent number formatting with number-to-words conversion
- ✓ Year-wise detailed projections & cash flow analysis
- ✓ Mobile-optimized responsive interface
Monthly Expenses & Budget Calculator
Track your income and expenses to calculate monthly savings and budget. Perfect for budget planning, expense tracking, and identifying how much you can invest or save each month.
- ✓ Monthly income tracking with multiple frequency options
- ✓ 10 default expense categories with emoji icons (housing, food, travel, education, health, etc.)
- ✓ Add/remove expenses dynamically
- ✓ Real-time budget summary with savings rate percentage
- ✓ Future expense projection with inflation and income hike
- ✓ Copy-to-clipboard for easy data transfer
- ✓ Currency-aware defaults (USD $ & INR ₹)
- ✓ Mobile-optimized card-based layout
- ✓ Touch-friendly interface with large tap targets
Live Financial Data Hub
Quick access to real-time financial data from trusted sources including precious metals pricing (gold, silver, platinum, palladium), currency exchange rates (USD to INR), tax information, mortgage rates, and market data. All links open in convenient popup windows.
- ✓ USA & India precious metals pricing (Gold, Silver, Platinum, Palladium)
- ✓ Live USD to INR currency conversion rates and exchange rates
- ✓ Paycheck calculator with tax withholdings and deductions
- ✓ Current mortgage rates and terms from Bankrate
- ✓ USA & India tax brackets and income tax slabs (2024 rates)
- ✓ Federal Reserve rate calendar & interest rate predictions
- ✓ Professional data sources (Trading Economics, CME, RIA Money Transfer)
Floating Calculator Widget
Always-available floating calculator widget with drag-and-drop functionality, minimize/maximize controls, and keyboard support. Perfect for quick calculations while using other tools.
- ✓ Draggable floating interface
- ✓ Minimize/maximize controls
- ✓ Keyboard shortcuts support
- ✓ Copy/paste functionality
- ✓ Mobile-optimized touch controls
- ✓ Persistent across all tabs
- ✓ ESC key to close
🔬 Technical Features
📱 Responsive Design
Fully responsive interface that works seamlessly on desktop, tablet, and mobile devices with optimized touch controls.
🌙 Dark/Light Themes
Toggle between light and dark themes with smooth transitions for comfortable viewing in any environment.
📊 Interactive Data Tables
Scrollable data tables with color-coded values, mobile-optimized layouts, and detailed year-wise breakdowns.
ℹ️ Contextual Help System
Built-in information modals explaining calculation methods, formulas, and financial concepts with detailed examples.
🎨 Visual Analytics
Color-coded summary panels with gradient effects, hover interactions, and professional data visualization.
⚡ Real-time Calculations
Instant recalculation as you adjust input parameters with intelligent input validation and formatting.
🌍 Multi-Currency Support
Native support for USD ($) and Indian Rupee (₹) with proper formatting and number-to-words conversion.
📋 Copy-to-Clipboard
One-click copying of calculated values with clean number formatting for easy use in other applications.
📚 How to Use
Choose Your Tool
Navigate to SEPP for early withdrawal planning, 401k for retirement projections, Invest for multi-currency financial planning including SIP, SWP, Lumpsum, Retirement, Expenses, and Mortgage calculators, or Links for live financial data.
Enter Your Data
Input your financial information with intelligent validation. Use the floating calculator for quick calculations and the help buttons for guidance.
Generate Projections
Click calculate to generate detailed projections with year-wise breakdowns, tax implications, and comprehensive analysis tables.
Analyze & Export
Review colorful summary panels, detailed tables, and use copy-to-clipboard features to export data for further analysis or record-keeping.
⚠️ Important Disclaimers
🎓 Educational Purpose
These calculators are designed for educational and planning purposes only. They provide estimates based on the inputs you provide and should not be considered as financial advice.
👨💼 Professional Consultation
Before implementing any early withdrawal strategy or making significant retirement planning decisions, consult with qualified financial advisors, tax professionals, and estate planning attorneys.
📋 Regulatory Compliance
SEPP calculations are based on current IRS regulations and life expectancy tables. Indian investment calculations use standard market assumptions. Tax laws and regulations may change, affecting the accuracy of projections.
📈 Market Assumptions
All projections assume consistent growth rates and do not account for market volatility, economic downturns, inflation variations, or other unforeseen circumstances that could affect actual returns.
🌐 External Links
Live financial data links connect to third-party sources. We are not responsible for the accuracy, availability, or content of external websites.
🚀 Getting Started
Ready to explore your financial planning options? Choose a tool below to begin your journey. Each calculator includes built-in help, detailed explanations, and professional-grade analysis to guide you through the process.