About NetCorpus India
NetCorpus India is an independent, ad-free (for now) set of calculators and a retirement planner built for Indian salaried professionals. It exists because most free calculators online either oversimplify (a flat "25x expenses" rule with no inflation, no tax, no loans) or bury the actual math behind a lead-generation form. This site does neither — every number is computed client-side, in your browser, and the formulas behind each result are documented on that calculator's own page.
What this is not
This is not financial advice, and nobody on the other end of this site is a SEBI-registered investment adviser or an IRDAI-licensed insurance agent. It's a calculation tool. The numbers it produces are only as good as the assumptions you put in (expected returns, inflation, tax rates) — all of which are genuinely uncertain over long horizons. Treat every result as a starting point for your own thinking or a conversation with a qualified advisor, not a final answer.
Why it's free and private
- Every calculation runs in your browser. Your income, loan amounts, and savings never leave your device or hit a server — there's nothing to leak because nothing is transmitted.
- No account, no signup, no email capture required to use any calculator or the full planner.
- Some calculator pages link to third-party financial platforms (mutual fund apps, insurance comparison sites, loan marketplaces) as a way to fund keeping the tools free. Those links are clearly marked "Partner" and disclosed as such — see the disclosure below.
Methodology — how the numbers are actually computed
Rather than one generic explanation, the exact formula, assumptions, and a worked example are published on every individual calculator page (look for the "How it's calculated" and "Worked example" sections). A few methodology choices that apply site-wide:
- Statutory figures (PPF/SCSS/Sukanya interest rates, tax slabs, EPS formula, LTCG exemption limits) are sourced from official government notifications at the time of writing and are revised periodically by the government — always cross-check the current rate before making a real financial decision, and treat any default value shown here as a reasonable planning assumption, not a live-updated feed.
- Inflation and return assumptions are editable defaults, not predictions. Where we default to 12% equity returns or 7% inflation, that reflects long-run historical averages — not a promise about the next 10–20 years.
- Tax calculations reflect FY 2025-26 rules (post Union Budget 2024/2025 changes to LTCG and the new-regime slabs) as understood at the time of writing. Tax law changes; verify current rules before filing.
Affiliate / partner disclosure
Some calculator pages show a "Partner" card recommending a third-party platform relevant to that calculation (e.g. a mutual fund app on the SIP calculator, a loan comparison site on the EMI calculator). We may earn a referral commission if you sign up through those links, at no extra cost to you. Partner placement is based on topical relevance to the calculator, not on which partner pays the most — but you should treat any such link with the same skepticism as advertising anywhere else, and compare options independently before acting.
Corrections
If a formula, rate, or statutory figure on this site is wrong or out of date, that's a real bug — the intent is to be exactly right about the mechanics even where the input assumptions are necessarily uncertain.