S SahayaDesk

Finance, Wealth & Life Decisions

Growing Utilities

Comprehensive calculators and intelligence tools for household prosperity and long-term planning. Calculate loan amortizations, evaluate insurance fine print, track bullion rates, and convert land units without paywalls or sales calls.

Compensation & Tax
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Take-Home Salary Calculator

Compute exact monthly in-hand salary from annual CTC, accounting for EPF, Professional Tax, Standard Deduction (₹75k), and New vs Old Tax Regimes.

Finance Math
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Rupee Lab

Compute loan EMIs with amortization schedules, calculate SIP wealth, and estimate FIRE retirement corpuses.

Insurance Intelligence
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Policy Lens

Calculate realistic life insurance need, decode health insurance room rent traps, and estimate Section 80D tax deductions.

Social Welfare
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Scheme Saathi

Explore welfare programs across Andhra Pradesh and Telangana, check eligibility rules, and view documentation checklists in Telugu & English.

Daily Bullion
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Rate Watch

Track 22K and 24K gold rates, silver prices, and local petrol/diesel rates across major cities with GST invoice simulators.

Equities
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Stock Market Pulse

Monitor benchmark indices (NIFTY 50, SENSEX), track equity price-to-earnings metrics, and calculate statutory brokerage fees.

Real Estate
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Bhoomi Measure

Convert regional Indian land units (Gunthas, Cents, Ankanams, Bighas), calculate plot dimensions, and estimate registration fees.

Practical Knowledge & Reference

Educational Guides for Finance & Life Decisions

In-depth guides on loan amortization, health insurance fine print, and land measurement units.

Home Loan Prepayment Math & Amortization

Explore the mathematics of monthly reducing-balance loans, tenure reduction vs EMI reduction ROI, and RBI zero-penalty circulars.

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Health Insurance Room Rent Trap

Why choosing a Deluxe Room can cost ₹1,00,000+ in out-of-pocket hospital deductions under proportionate deduction clauses.

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Indian Land Measurement Units Guide

Convert Gunthas, Cents, Ankanams, Bighas, and Gajam to Square Feet, Square Meters, and Acres with regional formulas.

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Electric Vehicle vs Petrol Running Cost

Calculate exact per-km fuel savings, Total Cost of Ownership (TCO), and breakeven payback periods in Indian conditions.

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Direct Benefit Transfer & NPCI Mapping

The difference between bank Aadhaar seeding and NPCI mapper linking, and how to fix failed DBT disbursements in AP & TS.

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