42 more free tools — Insurance, Real Estate, NRI, Govt schemes & more

Quick summary: 42 new tools across categories that didn't have much coverage before — Insurance (6), Real Estate (6), NRI taxation (4), Govt schemes (4), Banking (4), Health (5), Business / GST (5), Education predictors (4), and Cultural / Daily (4). With this batch we're at 170+ live tools, and every new tool ships with structured FAQ data + breadcrumbs + sitemap entries.

Why these categories

Looking at what gaps existed: insurance was completely absent (term cover, health sum-insured, LIC maturity, ULIP comparison). Real estate had stamp duty but missing rental yield, construction cost, RERA-mandated carpet/built-up conversions. NRI tax compliance is a big topic that wasn't covered at all (NRE/NRO, DTAA, section 195, 15CA/CB). And the Govt schemes side had Udyam but missed Mudra loans, Ayushman Bharat eligibility, e-Shram and PM Vishwakarma.

Insurance

• Term Insurance Cover Calculator — 10–20× annual income + loans + future goals minus existing cover.
• Health Insurance Sum-Insured — by city tier and family size, with super-top-up sizing.
• LIC Endowment Maturity — sum assured + bonus + final addition.
• ULIP vs Term + MF — 20-year true cost comparison.
• Vehicle NCB Tracker — IRDAI-mandated discount ladder.
• Vehicle Insurance Premium — by IDV, age, engine cc, NCB and zone.

Real Estate

• Rental Yield — gross + net yield from rent and costs.
• Construction Cost Estimator — state-wise ₹/sqft for basic / mid / luxury.
• Carpet ↔ Built-up ↔ Super Built-up — RERA reality check.
• Rent vs Buy — break-even years over your horizon.
• Society Maintenance Split — equal / sqft / hybrid (60-40).
• PMAY Eligibility — EWS / LIG / MIG urban housing subsidy.

NRI taxation (4)

• NRE vs NRO Account
• DTAA Tax Credit
• NRI Property Sale Tax — section 195 with the lower-deduction certificate route.
• Form 15CA / 15CB Decision

Govt Schemes (4)

• Mudra Loan Calculator — Shishu / Kishor / Tarun / Tarun Plus.
• Ayushman Bharat Eligibility — PMJAY ₹5 lakh cover.
• e-Shram Registration — for unorganised workers.
• PM Vishwakarma — 18 traditional trades.

Banking (4)

• Cheque Validity Checker — 3-month rule.
• Bank Holidays 2026 — RBI scheduled.
• Bond YTM Calculator — for G-Sec / corporate bonds.
• Liquid Fund vs Sweep FD — better short-term parking.

Health (5)

• Body Fat % (Navy) — circumference method.
• BP Category — JNC-8 / ESH bands.
• Cholesterol Risk — Total / LDL / HDL / TG + ratio.
• Sleep Duration — by age.
• Intermittent Fasting Tracker — 16:8 / 18:6 / OMAD windows.

Business / GST (5)

• GST Input Tax Credit — CGST/SGST/IGST offset rules.
• e-Invoicing Applicability — ₹5 Cr threshold.
• HSN Code Lookup — common items + GST rates.
• LLP vs Pvt Ltd — incorporation cost / compliance / fundraising.
• ROC Filing Calendar — AOC-4, MGT-7, DIR-3 KYC.

Education predictors (4)

• GATE Rank Predictor — score → AIR by branch.
• JEE Advanced Rank — for IIT admission.
• CLAT Percentile — for NLU admission.
• NIRF College Rank Lookup — Engineering / Management / Medical top 10.

Cultural & Daily (4)

• Rahu Kaal Calculator — daily inauspicious window.
• Wedding Muhurat 2026 — auspicious dates.
• Duckworth-Lewis — revised target for rain-affected matches.
• AC Tonnage Calculator — right size by area + climate.

What every new tool includes

Every tool ships with: real calculation logic (no scaffolding), JSON-LD SoftwareApplication schema, BreadcrumbList schema, FAQPage schema with 3 substantive Q&As, sitemap entry, and shared component infrastructure for instant SSG. Total page weight stays under 110 KB First Load JS.

FAQ

Q. Why split Wave 3 from earlier waves? A. Lets us focus on category coverage. Wave 1 was tax/finance fundamentals. Wave 2 added breadth. Wave 3 fills the gaps — insurance and real estate were the biggest holes.

Q. Will you add more tools? A. Yes — next priorities are: stipend / internship tax, mobile EMI compare, fertilizer subsidy checker, voter ID booth lookup, more state-specific stamp duty edges. Open an issue on GitHub for specific requests.

Q. Are formulas verified? A. Where rates and rules are well-published (DTAA, section 195, ROC, IRDAI NCB), yes. For predictive tools (GATE/JEE/NEET rank, NIRF), heuristics are based on past data and clearly labeled as approximations.

Q. Can I embed these tools elsewhere? A. Not yet — but the source is open. Forking + self-hosting works.