AI Financial Planner
Retirement, SIP, tax. Sorted in one conversation
Six calculators in one place: retirement corpus, SIP projections, old vs new tax regime, emergency fund, goal-based SIP, and 80C tracker. Budget 2025 slabs included.
Not tax advice · Consult a CA for filing · Calculations use Budget 2025 data
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Compare old vs new tax regime for ₹18L salary
Tax comparison: ₹18L gross salary
You save
₹31,200
Better
Old regime
Ask PortoAI anything...
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 (per the Income Tax Act, 1961), 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.
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Active investor · 47 stocks · Delhi
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?
Do my goals and savings data persist between sessions?
What types of goals can I track?
Does PortoAI file my taxes?
Can it replace my CA?
Plan your financial goals in rupees, not percentages.
Retirement, SIP, tax regime, 80C. Six calculators in one conversation.
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