Utilities — Currency, Inflation, HRA, Compound Interest & Product Comparison

India receives the largest inward remittance flow in the world (RBI Remittance Survey), and INR moves against USD, EUR, GBP, AED, and SGD every trading day. The FinWiz24 currency converter uses indicative FBIL and RBI reference rates so you can quickly estimate how much a transfer, forex card, or international purchase will cost. It is not a substitute for the rate your bank or RBI-licensed AD will quote, but it is close enough for trip budgeting and invoice estimation.

Indian headline CPI has averaged 5–6% over the last decade, but education and healthcare baskets have inflated at 8–10%. The inflation calculator models both headline and custom rates so you can project the future cost of a goal — a child’s college, a wedding, or healthcare — in today’s rupees. Pair it with the compound interest calculator to size the monthly investment required to keep pace with rising costs.

HRA exemption is the minimum of (a) actual HRA received, (b) 50% of basic + DA for metros / 40% for non-metros, and (c) actual rent paid less 10% of basic + DA. The calculator applies Rule 2A and flags whether you need to provide the landlord’s PAN to your employer (rent > ₹1 lakh a year or > ₹50,000 in metros). Use the result as a starting point for your Form 12BB / 24Q declarations.

Compound interest is the engine behind every long-term wealth plan. The calculator models annual, quarterly, and monthly compounding so you can size the maturity of an FD, RD, PPF, NSC, or small-cap equity bucket. Combine it with the inflation calculator to compute real (post-inflation) returns and decide whether a fixed-income instrument is genuinely growing your purchasing power.

Comparison is the only way to make sense of a market with dozens of credit cards, FDs, mutual funds, and insurance plans. The comparison tool on FinWiz24 lets you select up to 4 products in a single table that lists the criteria that actually affect your decision: annual fees, reward rates, claim settlement ratio, expense ratio, or premium. Switch products any time — the URL reflects your selection so the comparison is shareable.