Future Ready app helps you easily download your EPFO Passbook, get your PF Balance, check your PF Claim status, activates your UAN, download PF related forms and much more. You can plan your financial future by using our calculators like SIP, Gratuity, EMI, PF and Retirement calculators. IT calculator will help to calculate payable tax for the income you earned.
The Take-home calculator helps you calculate your take home salary from the CTC given by your employer.
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Features:
Provident Fund(PF):
1. PF passbook 
 Get Your Employee Provident Fund Account Status Instantly.
2. PF Balance
Check your PF balance without internet through Missed-call or SMS.
3. PF Claim Status: 
Provide your UAN no. to get information regarding EPF withdrawal or Pension claim status.
4. Activate UAN:
Activate your UAN (Universal Account Number).
5. PF Forms: 
Download all PF related forms
CTC Calculator:
This app will help you calculate your CTC when provided with the components for the same.

Gratuity Calculator:
Compute the gratuity amount you will receive when you quit or retire from the company you are
working in. An employee is eligible for Gratuity only if he has 5 or more years of full time service.

IT Calculator:
Income Tax Calculator helps you calculate payable tax for your income you earned. It helps you
calculate IT Return using Income from Salary, Income from House Property/Rent, Income from
Other Sources, Income from STCG (Short Term Capital Gain) and Income from LTCG (Long Term
Capital Gain). Deduction covered here are 80C, 80D, 80DD, 80EE, 80TTA. Tax preparation is very
easy using this Income Tax calculator. It provides you free tax preparation help. You just need to
enter all of your income and deductions to be made from the income. App will automatically tell you
the amount of tax payable.

Deductions:
Deductions for calculating IT Return considers following parameters:
+ Deduction under 80C (Investment in PPF, NSCs, Life insurance Premium, etc.)
+ Deduction under 80D (Investment under Medical Insurance)
+ Deduction under 80DD (Investment for Medical treatment)
+ Deduction under 80EE (Interest on home loan for first time home owners)
+ Deduction under 80TTA (deduction to an individual or a Hindu undivided family in respect of
interest received on deposits)

EMI Calculator:
This is simple loan calculation tool that helps user to quickly calculate EMI and view payment
schedule. Use this app to calculate your EMI (Equated Monthly Instalment) and plan your loan
repayment in effective way.

SIP Calculator:
SIP calculator helps you calculate the profit gain and returns expected for your monthly SIP
investment. You get a rough estimate on the maturity amount for any monthly SIP, based on a
projected annual return rate.

PF Calculator:
PF calculator lets you calculate your PF balance accumulated by the time you have planned to
retire.

Retirement Calculator:
This will help you to plan for your retirement by calculating the income and additional income needed
in retirement.

Apply for Loans:
Need a loan. Future Ready will help you apply for a loan after gathering your details and sharing them with our banking partners who will facilitate the loan for you