Financial planning

Six calculators. One conversation.

Retirement, SIP, tax regime, emergency fund, goals, 80C tracker — stop switching between apps. Ask PortoAI and get your financial plan sorted.

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Not tax advice · Consult a CA for filing · Calculations use Budget 2025 data

March is coming. You're staring at your salary slip wondering — old regime or new? You've got ₹1.5L in PPF, some ELSS, an NPS contribution you forgot about. Your CA says old regime. Your friend says new regime.

You opened three online calculators — each gave different answers because each assumed different deductions.

Tax planning shouldn't feel like guesswork.

What if one conversation could sort your entire financial plan — taxes, retirement, goals, everything?

Six calculators

Everything you need — in one place

No tabs. No spreadsheets. Just tell PortoAI what you're trying to figure out and it picks the right calculator, runs the numbers, and explains what they mean.

Retirement corpus

Three scenarios at 10%, 12%, and 14% returns. See the monthly SIP needed for each, adjusted for inflation and your target retirement age.

SIP returns

Project SIP growth with a lump-sum option. Compare multiple return scenarios side by side so you know the range, not just one number.

Tax regime comparison

Old vs New regime using Budget 2025 slabs. Full deduction breakdown: 80C, 80D, 80CCD(1B), Section 24, and the ₹75K standard deduction.

Emergency fund

Target based on your actual monthly expenses. Gap analysis shows how much you need and a time-to-fund estimate to close the shortfall.

Goal-based SIP

House, education, car, wedding, travel — any goal with inflation-adjusted targets. See what monthly SIP gets you there on time.

80C + NPS tracker

See what you’ve used, what’s left under the ₹1.5L limit, and optimization suggestions for 80CCD(1B) and NPS contributions.

Tax regime comparison

Old vs New — with your actual numbers

Budget 2025 slabs. Every deduction category — 80C, 80D, 80CCD(1B), Section 24, HRA, and the ₹75K standard deduction. PortoAI compares both regimes side by side, shows you exactly where the savings come from, and tells you which one wins for your salary.

“Compare old vs new regime for ₹18L salary. I have 1.5L in 80C, 25K in 80D, and 50K in NPS.”

Tax comparison — ₹18,00,000 gross salary

Old regime

₹2,02,800

After 80C + 80D + NPS + standard deduction

New regime

₹2,34,000

₹75K standard deduction only

Old regime saves you ₹31,200 this year with your current deductions. If you max out NPS under 80CCD(1B), the gap widens to ₹46,800.

Goal tracking

Create a goal. Track your progress. Hit milestones.

Set up any financial goal — house, education, car, wedding, travel. PortoAI tracks your savings against the inflation-adjusted target and sends you milestone notifications at 25%, 50%, 75%, and 100%.

“Create a goal: ₹50L house fund in 5 years”

Goal created: House fund

Target: ₹50,00,000 · Timeline: 5 years · Monthly SIP needed: ₹66,100 at 12% returns

I'll track your progress and notify you at each milestone.

Milestone: 50% reached

Your house fund just hit 50%. ₹24.5L saved out of ₹50L target. At your current pace, you're on track to hit 100% by March 2031.

Compare old vs new tax regime for your exact salary. Takes 30 seconds.

Try it in PortoAI

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Trusted by real investors

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Long-term investor · Bengaluru

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Options trader · Mumbai

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Financial planner FAQ

Common questions about tax calculations, goal tracking, and what PortoAI does (and doesn't do) for financial planning.

Are the tax calculations up to date?

Yes. PortoAI uses Budget 2025 tax slabs and deduction limits. When the government updates slabs, we update the calculations.

Do my goals and savings data persist between sessions?

Yes. Once you set up a goal, PortoAI remembers your target, timeline, and progress. You can check in anytime and get an updated status.

What types of goals can I track?

Any financial goal — house down payment, children’s education, car purchase, wedding, travel fund, or a custom target. Each one is inflation-adjusted based on the timeline you set.

Does PortoAI file my taxes?

No. PortoAI is a calculator, not a filing service. It helps you compare regimes and optimize deductions, but you still file through your CA or the income tax portal.

Can it replace my CA?

No. Think of it as a calculator that gives you clarity before you talk to your CA. It handles the math — regime comparison, 80C tracking, SIP projections — so your CA conversation is more productive.

Tax season doesn't have to feel like guesswork.

Retirement, SIP, tax regime, 80C — six calculators in one conversation.

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No tips · No auto-trading · You confirm every order