Disclaimer

Electricity bills

Actual bills can differ from our estimates due to rounding, meter rent, one-time charges and tariff revisions between our last verification and your billing date. Some components are deliberately not modelled, including Maharashtra's wheeling charge and fuel adjustment, West Bengal's monthly MVCA surcharge, and Kerala's non-telescopic rate above 250 units a month. These limits are noted on the relevant calculators; see our methodology.

Solar and AC

Solar savings, system costs and payback use indicative benchmarks and a typical generation assumption; real quotes and output vary by location, shading and installer. AC running costs assume a standard compressor duty factor and ISEER bands. Treat both as planning estimates.

Financial calculators

Our 30 financial calculators (Capital Gains Tax, New vs Old Tax Regime, GST, SIP, Home Loan EMI, Personal Loan EMI, PPF, FD, Gratuity, HRA, NPS, Human Life Value, FIRE, Net Worth, Crorepati, BH Series, EV vs Fuel Cost, Retirement Planner, EPF, Sukanya Samriddhi Yojana, CTC to In-Hand Salary, Rent vs Buy, Car/Two-Wheeler/Education Loan EMI, Health Insurance 80D, Surcharge & Marginal Relief, Recurring Deposit, NCB & IDV, and Gujarat Road Tax) are for general guidance only and are not tax, legal, investment or insurance advice. Each produces a needs or planning estimate built from the inputs you provide and the rules verified at the time we last checked them — not a filed return, a bank/insurer quote, or a substitute for a qualified professional.

Known limitations, current as of this page's last update:

• Tax Regime — surcharge (income above ₹50 lakh) and its marginal relief ARE modelled, for both regimes.
• Capital Gains — surcharge above ₹50 lakh is not modelled here; it also does not model the pre-23-July-2024 property indexation option.
• SIP — you enter a net-of-expense-ratio return assumption; returns are market-linked and not guaranteed. The calculator does show an inflation-adjusted real value and a post-tax (LTCG) estimate alongside the nominal figure.
• GST — compensation cess, composition-scheme rates and item-specific exemptions are not modelled; verify the exact HSN/SAC rate on the official GST portal before filing.
• Home Loan & Personal Loan EMI — not a loan offer; actual rate, fees and eligibility depend on the lender and your credit profile.
• PPF & FD — PPF's interest rate is reviewed quarterly by the government and is not guaranteed to hold; FD figures are pre-tax (TDS is not your final tax liability).
• Gratuity — eligibility, Payment of Gratuity Act coverage, and the applicable exemption ceiling depend on your specific employment terms; confirm with HR/payroll.
• HRA — only available under the old tax regime; confirm documentation requirements with your employer.
• NPS — market-linked and not guaranteed; annuity rates shown are illustrative and vary by the insurer and plan you eventually choose.
• Human Life Value — a needs estimate, not an insurance premium quote or product recommendation.
• FIRE & Retirement Planner — planning aids built on standard safe-withdrawal-rate and present-value methodologies, not guarantees; expected returns and inflation are assumptions you choose, not promised outcomes.
• Net Worth — age-based benchmarks shown are commonly cited rules of thumb, not government statistics or a target you must hit.
• Crorepati — the reverse-SIP calculation is exact for the inputs you enter, but expected return and inflation are assumptions; returns are market-linked and not guaranteed.
• BH Series — figures are checked against MoRTH Rule 51B but are not legal advice; confirm the exact amount and your current eligibility with your RTO before applying or paying.
• EV vs Fuel Cost — running-cost estimates only; it does not model maintenance costs or resale value, which would shift a real EV-vs-petrol decision further in the EV's favour.
• EPF — the interest rate is reviewed annually by the government and is not guaranteed to hold for your full working life; does not model early-withdrawal tax consequences.
• Sukanya Samriddhi Yojana — the interest rate is reviewed quarterly by the government; does not model early closure on marriage or the partial-withdrawal-at-18 provision.
• CTC to In-Hand Salary — does not model HRA exemption or old-regime itemised deductions; professional tax is a direct input since it varies by state.
• Rent vs Buy — a scenario comparison built on your own assumptions, not a prediction; if the buyer's monthly cost drops below rent after loan payoff, the renter's further monthly investment is clamped to zero as a documented simplification.
• Car / Two-Wheeler / Education Loan EMI — not a loan offer; actual rate and eligibility depend on the lender and your credit profile.
• Health Insurance 80D — old tax regime only; not available if you've switched to the new regime.
• Surcharge & Marginal Relief — does not model capital gains taxed at special rates within the same return.
• Recurring Deposit — quarterly-crediting approximation of typical bank practice; exact conventions vary slightly by bank.
• NCB & IDV — IRDAI-standardised slabs, not an insurance quote; beyond 5 years, IDV is set by mutual agreement with your insurer, not a fixed schedule.
• Gujarat Road Tax — covers Gujarat only; its EV rate is not currently confirmed (the prior 1% concession expired 31 March 2026, no replacement notified as of this writing).

Consult a qualified professional before acting on any of these figures.

We deliberately do not offer a state-wise Road Tax / Motor Vehicle Tax calculator beyond Gujarat: unlike BH-series tax, ordinary road tax varies by state under India's constitutional division of powers, and we specifically re-attempted primary-source verification across 15 major states in 2026 — Gujarat was the only one whose official rate document was actually machine-readable rather than a scanned image or embedded graphic. We would rather cover one state accurately than many states approximately. Use your state transport department's official Vahan portal for any state we don't cover.

No affiliation

DesiMetrics is independent and not affiliated with any DISCOM, regulatory commission or government body, and is not liable for decisions made on the basis of these estimates.