# InstantTool ## Posts - [PPF vs Sukanya Samriddhi vs NPS: Which Is Best for You in 2026?](https://instanttool.in/ppf-vs-sukanya-samriddhi-vs-nps/): PPF vs Sukanya Samriddhi vs NPS compared for 2026 — interest rates, lock-in, tax benefits under old and new regime, and which scheme suits which goal. - [How Many Calories Do You Need a Day? BMR and TDEE Explained](https://instanttool.in/how-many-calories-do-you-need-bmr-tdee/): Understand BMR and TDEE, how daily calorie needs are calculated with the Mifflin-St Jeor formula, and example calorie needs for Indian adults — plus safe weight-change tips. - [Home Loan Prepayment: Reduce EMI or Reduce Tenure? (With Example)](https://instanttool.in/home-loan-prepayment-reduce-emi-or-tenure/): Should you reduce EMI or tenure after a home loan prepayment? A ₹5 lakh worked example shows tenure reduction saves about ₹13 lakh vs ₹4.5 lakh — plus when to prepay. - [How to Calculate Percentage of Marks (and Convert CGPA to Percentage)](https://instanttool.in/how-to-calculate-percentage-of-marks/): Step-by-step guide to calculating percentage of marks for Class 10, 12 and college, best-of-five percentage, and converting CGPA to percentage, with worked examples. - [GST 2.0 Rate List 2026: New GST Slabs Explained (5%, 18%, 40%)](https://instanttool.in/gst-2-0-rate-list-new-gst-slabs/): GST 2.0 rate list for 2026: the new 5%, 18% and 40% slabs explained with common items, what changed from 12% and 28%, and how to calculate GST correctly. - [Old vs New Tax Regime FY 2026-27: Which Saves You More?](https://instanttool.in/old-vs-new-tax-regime-fy-2026-27/): Old vs new tax regime for FY 2026-27 explained with slabs, worked salary examples and the deduction break-even point, so you can pick the regime that saves more tax. - [What Is CAGR](https://instanttool.in/what-is-cagr/): CAGR (Compound Annual Growth Rate) is the single most useful number when comparing investments of different durations. - [How Much Retirement Corpus Do You Really Need in India?](https://instanttool.in/how-much-retirement-corpus-do-you-really-need-in-india/): Most retirement calculators give you a number that feels terrifying. But broken down into monthly SIPs from your 30s, the goal is very achievable. - [Personal Loan vs Credit Card: Which Costs You Less?](https://instanttool.in/personal-loan-vs-credit-card/): When facing an unexpected ₹1-5 lakh expense, most Indians compare a personal loan with their credit card's EMI offer. - [How Much SIP Do You Need to Make ₹1 Crore?](https://instanttool.in/how-much-sip-do-you-need-to-make-%e2%82%b91-crore/): ₹1 crore feels enormous — but it is more achievable than most Indians realise. The two levers are time and rate of return. Start early, stay invested. - [SIP vs Lumpsum](https://instanttool.in/sip-vs-lumpsum/): The SIP vs Lumpsum debate is the most common question Indian investors ask. - [BMI for Indians: Why the Standard Chart May Mislead You](https://instanttool.in/bmi-for-indians-why-the-standard-chart-may-mislead-you/): Body Mass Index is the world's most-used health screen — but the standard WHO cut-offs (25 = overweight, 30 = obese) were derived largely from European populations. - [How to Calculate EMI on Any Loan – Simple Formula with Examples](https://instanttool.in/how-to-calculate-emi-on-any-loan-simple-formula-with-examples/): Equated Monthly Installment (EMI) is the fixed monthly payment you make towards a loan — covering both principal and interest. ## Pages - [Download Finance Planner](https://instanttool.in/download-finance-planner/) - [Utility](https://instanttool.in/category-utility/): Unit, currency and data-storage converters plus password, QR, JSON, Base64 and text tools — everything in one place. - [Math](https://instanttool.in/category-math/): Scientific, percentage, ratio, average, LCM/HCF, square root and area calculators for students, teachers and professionals. - [Investment](https://instanttool.in/category-investment/): SIP, FD, RD, PPF, NPS, CAGR and retirement tools to grow your wealth — with India-specific assumptions and tax treatment. - [Health](https://instanttool.in/category-health/): Set a precise countdown to any future date and time — perfect for exams, weddings, product launches, festivals or birthdays. - [Finance](https://instanttool.in/category-finance/): EMI, GST, income tax and loan calculators built for Indian borrowers and salaried earners. Plan smarter before you sign any financial commitment. - [Blog](https://instanttool.in/blog/) - [Terms of Use](https://instanttool.in/terms-of-use/): Welcome to InstantTool.in. By accessing or using our website, you agree to be bound by these Terms of Use. If you do not agree, please do not use the site. - [Disclaimer](https://instanttool.in/disclaimer/): The information and tools provided on InstantTool.in are for general informational and educational purposes only. - [Daily](https://instanttool.in/category-daily/): Age, date difference, working days, world clock and timer tools for everyday planning, scheduling and productivity. - [Contact](https://instanttool.in/contact/): We love hearing from our users. - [About InstantTool.in](https://instanttool.in/about-us/): InstantTool.in is a free, India-first collection of 76 online calculators and utility tools — from EMI, SIP, GST and income tax calculators to BMI, age, date and unit converters. - [Home](https://instanttool.in/): Calculate EMI, SIP, BMI, GST & more instantly — fast, free, and accurate. Built for Indian users. - [Privacy Policy](https://instanttool.in/privacy-policy/): How InstantTool.in handles your data, cookies, Google Analytics and Google AdSense advertising, and the choices you have. ## Optional - [Agent (MCP protocol)](websites-agents.hostinger.com/instanttool.in/mcp) [comment]: # (Generated by Hostinger Tools Plugin)