Calculate EPF and ESIC contributions for employer and employee. Use when computing payroll costs, employee deductions, or comparing CTC structures across different salary levels.
Input:
basic_wages(float): Basic salary + DA per month in INR.gross_wages(float): Total gross monthly salary in INR.include_employer_share(bool): If True, return employer costs (default: True).
Output: basic_wages, gross_wages, epf_breakdown, esic_breakdown, totals, errors.
Example prompt: "Calculate EPF and ESIC for a basic wage of 15000 and gross of 25000."
Limitations: EPF ceiling is ₹15,000/month for statutory computation. ESIC applicable when gross wages ≤ ₹21,000/month.
Calculate EMI for a loan with year-by-year amortization schedule. Use when computing loan EMIs, comparing loan options, or planning prepayment strategies.
Input:
principal(float): Loan amount in INR.annual_interest_rate(float): Annual rate as percentage (e.g., 8.5).tenure_months(int): Loan tenure in months (max 360).loan_type(str): Label for the loan type (home, personal, car, education, other).
Output: principal, annual_interest_rate, tenure_months, loan_type, emi, total_payment, total_interest, amortization_yearly, errors.
Example prompt: "Calculate EMI for a home loan of 50 Lakhs at 8.5% for 20 years."
Limitations: Uses standard reducing balance formula. Actual EMI may vary by lender.
Calculate gratuity under the Payment of Gratuity Act, 1972. Use when computing terminal benefits, comparing CTC packages, or planning retirement benefits.
Input:
last_drawn_salary(float): Last basic salary + DA per month in INR.years_of_service(float): Total years served (e.g., 5.8 = 5 yrs 9 months).is_covered_under_act(bool): True if establishment has 10+ employees.
Output: last_drawn_salary, years_of_service, completed_years_for_calculation, is_covered_under_act, gratuity_amount, tax_exempt_limit, taxable_gratuity, minimum_service_met, formula_used.
Example prompt: "Calculate gratuity for 6.5 years of service with last drawn salary of 45000."
Limitations: Minimum 5 years service required (except death/disablement). Tax-exempt ceiling is ₹20,00,000.
Calculate PPF maturity amount with year-by-year breakdown. Use when planning long-term savings, comparing investment options, or calculating retirement corpus.
Input:
annual_investment(float): Amount invested per year in INR (max ₹1,50,000).tenure_years(int): PPF tenure in years (15, 20, 25, or 30).annual_interest_rate(float): Annual interest rate percentage (default 7.1).
Output: annual_investment, tenure_years, annual_interest_rate, total_invested, maturity_amount, total_interest_earned, yearly_breakdown.
Example prompt: "Calculate PPF maturity for ₹1,50,000 annual investment for 15 years."
Limitations: EEE tax status: exempt at investment, accumulation, and maturity. Rate is government-administered and revised quarterly.
Calculate Fixed Deposit (FD) maturity amount. Use when planning short to medium-term secure investments.
Input:
principal(float): Initial deposit amount in INR.annual_interest_rate(float): Annual interest rate percentage.tenure_months(int): Duration of the fixed deposit in months.compounding_frequency(str): 'quarterly', 'half-yearly', 'yearly', or 'monthly'.
Output: principal, annual_interest_rate, tenure_months, compounding_frequency, maturity_amount, total_interest_earned.
Example prompt: "Calculate FD maturity for ₹1,00,000 at 6.5% for 12 months compounded quarterly."
Limitations: Pre-mature withdrawal penalties and TDS deductions are not accounted for.
Calculate Recurring Deposit maturity amount. Use when projecting RD returns or planning recurring deposits.
Input:
monthly_installment(float): Monthly deposit amount in INR.annual_interest_rate(float): Annual interest rate as percentage.tenure_months(int): Deposit tenure in months.
Output: monthly_installment, annual_interest_rate, tenure_months, maturity_amount, total_interest_earned.
Example prompt: "Calculate RD maturity for ₹5000 monthly at 6.8% for 24 months."
Calculate SIP maturity with inflation-adjusted returns. Use when projecting mutual fund SIP returns or planning systematic investments.
Input:
monthly_investment(float): Monthly SIP amount in INR.expected_annual_return(float): Expected CAGR as percentage.tenure_years(int): Investment tenure in years.inflation_rate(float): Expected inflation rate percentage (default: 6.0).
Output: monthly_investment, expected_annual_return, tenure_years, inflation_rate, expected_corpus, inflation_adjusted_corpus, wealth_gained.
Example prompt: "Calculate SIP returns for ₹10000 monthly at 12% for 10 years."
Calculate SIP with annual step-up increment. Use when comparing step-up SIP vs flat SIP or planning salary-linked investments.
Input:
initial_monthly_investment(float): Starting SIP amount in INR.annual_step_up_percent(float): Annual step-up percentage.expected_annual_return(float): Expected CAGR as percentage.tenure_years(int): Investment tenure in years.
Output: initial_monthly_investment, annual_step_up_percent, expected_annual_return, tenure_years, step_up_corpus, flat_sip_corpus.
Example prompt: "Calculate step-up SIP with ₹5000 starting amount, increasing by 10% annually at 12% return for 15 years."
Calculate NPS corpus and monthly pension at retirement. Use when planning retirement with NPS or projecting pension.
Input:
monthly_contribution(float): Monthly NPS contribution in INR.current_age(int): Current age.retirement_age(int): Retirement age (default 60).expected_annual_return(float): Expected annual return percentage (default 10.0).annuity_rate(float): Annuity rate percentage (default 6.0).annuity_percent(float): Corpus for annuity (min 40%) (default 40.0).
Output: monthly_contribution, current_age, retirement_age, projected_corpus, lump_sum_withdrawal, monthly_pension.
Example prompt: "Project NPS corpus for ₹5000 monthly contribution starting at age 30."
Calculate SSY or SCSS maturity amount. Use when planning long-term savings for girl child (SSY) or retirement (SCSS).
Input:
scheme(str): 'ssy' for Sukanya Samriddhi or 'scss' for Senior Citizen Savings Scheme.annual_investment(float): Annual deposit amount in INR.annual_interest_rate(float): Interest rate as percentage (default 8.2).
Output: scheme, annual_investment, annual_interest_rate, maturity_amount, interest_breakdown, tax_status.
Example prompt: "Calculate SSY maturity for ₹1,50,000 annual investment."
Compare buying vs renting financial outcome. Use when deciding between buying a home or renting.
Input:
home_price(float): Property price in INR.down_payment_percent(float): Down payment as percentage (default 20.0).loan_interest_rate(float): Home loan interest rate percentage (default 8.5).loan_tenure_years(int): Loan tenure in years (default 20).monthly_rent(float): Current monthly rent in INR (default 25000).annual_rent_increase(float): Expected rent increase percentage/year (default 5.0).expected_property_appreciation(float): Property appreciation percentage/year (default 6.0).investment_return(float): Return on invested down payment percentage (default 12.0).analysis_years(int): Years to compare (default 20).
Output: buy_rent_comparison, yearly_breakdown, break_even_analysis.
Example prompt: "Should I buy a home for 80 Lakhs or rent for ₹25000/month?"
Calculate tax-exempt portion of leave encashment under Section 10(10AA). Use when computing leave encashment tax exemption or planning retirement benefits.
Input:
leave_encashment_amount(float): Actual amount received in INR.average_monthly_salary(float): Average of last 10 months basic + DA.earned_leave_balance_days(int): Days of earned leave.years_of_service(int): Total years of service.is_government_employee(bool): Government employee flag (default False).
Output: leave_encashment_amount, exemption_amount, taxable_portion_breakdown.
Example prompt: "Calculate leave encashment exemption for 300,000 received after 15 years of service."