Smartin

Full-stack Web, Mobile app developer, and Publisher. Interests: Software Development, Geopolitics, Fintech, Digital Marketing, Content Creation & Cooking.

[Smartin @smartinjos]

Here’s the only Mutual Fund SIP & Lumpsum calculator for #Indian investors that combines inflation adjustment, step-up, initial investment, LTCG tax, expense ratio, etc. all in one place. It also lets you generate PDF reports. Help content and some additional features are still under development, but the tool is already up and running! I’d love your suggestions for improvement. All calculations, except PDF generation, work offline. Check it out here: https://t.co/6y14qc216D

#MutualFunds #SIPCalculator #LumpsumInvestment
#PersonalFinance #InvestmentTips #FinanceTools #WealthCreation #FinancialPlanning #InvestSmart #IndianInvestors #GrowYourMoney #WealthManagement #FinancialFreedom

[Smartin @smartinjos]

@narendramodi @dpradhanbjp NEET linked suicides were also reported in 2024 (at least 19) and 2025 (at least 32), yet NCRB data shows 1,955 people under 30 died by suicide due to exam failure in 2024 alone. The real issue is student stress and mental health, not selective facts used for political mileage.

[Smartin @smartinjos]

@narayananh @VedVery5 Because, whole-leaf aloe vera extract is a possible Group 2B human carcinogen

[Smartin @smartinjos]

@abhijeet_dipke NEET-linked suicides were reported in 2024 (at least 19) and 2025 (at least 32), yet NCRB data shows 1,955 people under 30 died by suicide due to exam failure in 2024 alone. The real issue is student stress and mental health, not selective facts used for political mileage.

[Smartin @smartinjos]

So ironic for you to say this. Why are you bombing and killing hundreds of millions of people, including children, since the founding of your country? You have never stopped, and you are still doing this on Good Friday while lecturing us. All these lists are largely based on Western media narratives and do not always reflect the ground reality. Yes, there are issues. No country is perfect. The same applies to the USA as well. You have serious concerns there too, including controversies like the Epstein list involving people in positions of power. It is important to acknowledge problems everywhere rather than pointing fingers at one country alone. And regarding conversion, why do you want to convert people, and why are you trying to destabilize and fund extremists with the money coming from?

[Smartin @smartinjos]

@Namecheap Hi, I emailed your security team about a blocked account and domain renewal. Tickets NC-HCU-5571 and NC-GJZ-8777 were created from those emails, but I haven’t received a response yet and the domain is down. Your support has always been very responsive, so this delay is a bit surprising. Could someone please look into this?

[Smartin @smartinjos]

@ishKuba

[Smartin @smartinjos]

He should have filed for alimony from her.
There are public statements where she herself admits he stood behind her success , and he took care of their children.

That alone proves contribution, sacrifice, and partnership.

This story proves it again, if you build a woman before you build yourself, don’t be surprised when she upgrades the man.

The moment she starts earning more, respect fades. Attraction fades. Emotional loyalty starts expiring , and eventually, cheating stops feeling wrong.

[Smartin @smartinjos]

Many are saying 8th CPC fitment factor will be 3.0 or 2.5. But if you calculate properly, even 2.5 needs a huge general hike (50%+ on DA-merged pay). 3.0 will need an even bigger hike. That kind of jump is not going to happen.

Govt hasn’t even paid the 18-month DA arrears frozen during COVID. If that itself is still pending due to funds, then expecting a massive fitment factor like 3.0 doesn’t make sense.

Fitment factor looks closer to 2.0. If things go very positive, it may touch 2.25.
Here’s a fitment factor calculator you can try and check the numbers yourself.

#8thcpc #8thpaycommission https://t.co/qGjSF6KuMN

[Smartin @smartinjos]

💡 8th CPC Salary Reality Check

No, government employees will NOT get the exaggerated salaries that viral Twitter/X posts are claiming after the 8th CPC, that too from January 1, 2026 ❌
So please don’t even think of quitting your IT job just to become a peon 😄
Yes, a peon may get around ₹48,000 per month in-hand at the start after the 8th CPC 💰
👉 But this amount includes ALL allowances NOT just basic pay.

⏳ Long-term reality
The 8th CPC will likely run for ~10 years.
Over the years, salary growth stays around 5–7% annually with DA & increments, unless promotions come into play.

https://t.co/LFWtAmzaG3

Visit our site for exact calculations (post tax, in-hand) #8thcpc #8thpaycommission

[Smartin @smartinjos]

@WealthArigato @NalinisKitchen Yes, but that's the in-hand salary after taxes. Quoting it as basic pay is wrong.

[Smartin @smartinjos]

@8thpaycomission This could be closer to the real in-hand pay figures if it's not presented as "just Basic Pay." Here is a calculator considering everything, even the impact of NPS/UPS on in-hand salary => https://t.co/BvqCFluFVN

[Smartin @smartinjos]

@R_N_Vaghani This is highly exaggerated, and nowhere close to reality, especially when it is mentioned it as only Basic Pay. After adding all the allowances, and considering taxes it would be around 48000 only for a level-1 employee. Check reality here => https://t.co/BvqCFluFVN #8thcpc

[Smartin @smartinjos]

@NalinisKitchen Reality: Peon: 48000, Constable: 69000, Postman 62000, IAS/IPS 135000... this is after tax take-home pay, including all benefits like DA, TA, HRA, etc.

[Smartin @smartinjos]

@NalinisKitchen These calculations are highly exaggerated and nowhere close to reality. The actual starting in-hand salary would be around 48000 only, including all, Basic, DA, HRA and everything.. Check https://t.co/BvqCFluFVN

[Smartin @smartinjos]

Small numbers matter in investing 📊

Over 25 years, a 1% expense ratio can cost ₹5.49L vs ₹2.95L at 0.5%—same SIP, same return.

Calculate the impact yourself 👇

https://t.co/yuJNHC6F1t #SIP #MutualFunds #Investing #groww

[Smartin @smartinjos]

@skmohinder @8thpaycommision Are you level 6, if yes, approximately ₹99,588.7 in-hand. Check https://t.co/BvqCFluFVN

[Smartin @smartinjos]

🚨 8th CPC Salary Calculator

📊 In-Hand Salary Range:
• Level 1: Starts at ~₹47K/month
• Level 18: Up to ~₹4.5L/month

📈 Highest Increase: Level 5 (+36.6%)
📉 Lowest Increase: Level 10 (+22.8%)

Calculate YOUR exact salary:
🔗 https://t.co/BpaXmQQ8Qk
#8thpaycommission

[Smartin @smartinjos]

While the projection shows ₹8 crore after 30 years, it’s important to consider the real value. After adjusting for inflation, mutual fund expenses, and LTCG, the investment would be closer to ₹1.5 crore or ₹1.2 crore in today’s terms. It’s good to be aware of these factors when setting expectations. Calculated using https://t.co/6y14qc216D

[Smartin @smartinjos]

🔥Calculate XIRR of your investments (unlimited entries) online and generate PDF reports with my new tool. https://t.co/U7N6ppuJYQ Supports mobile web, offline storage, and pdf report generation. @rachana_ranade

#free #mutualfunds #investing #fintech #PersonalFinance

[Smartin @smartinjos]

@Alphamojo1 An invested amount of ₹24 lakhs results in a final investment value of ₹22 lakhs after 40 years, factoring in 6% inflation, LTCG adjustments, and mutual fund expense ratio (MF ER).