Finance & Investment
Finance Calculators
39 free calculators
India-focused finance calculators for real money decisions — loan EMIs and prepayment, mutual fund SIP and lumpsum returns, income tax across the new and old regimes, capital gains under the post-Budget-2024 rules, and retirement planning with EPF, NPS and PPF. Every tool uses current FY 2025-26 rates and runs instantly in your browser.
Budget
Plan your monthly budget using the 50/30/20 rule. Enter your income and expenses to see your savings rate and where your money goes.
Capital Gains
Work out short-term and long-term capital gains tax on shares, mutual funds, property and other assets, using the current post-Budget-2024 rules — including the equity ₹1.25L exemption and property grandfathering.
Car Loan
Work out the monthly EMI on your car loan from the on-road price, down payment, interest rate and tenure — with the total interest and total amount payable.
Compound Interest
See how compound interest grows your wealth over time. Enter a lump sum, pick your compounding frequency, and add monthly contributions to model real-world investment growth.
Credit Card Payoff
See exactly how many months it takes to clear your credit card balance at a given monthly payment, the total interest you'll pay, and how much longer paying only the minimum would take.
CTC / Salary
Convert your annual CTC (Cost to Company) to monthly in-hand salary. See the full breakdown: Basic, HRA, PF deductions, Professional Tax, and estimated income tax — all on one page.
EMI
Calculate your monthly loan instalment (EMI) along with total interest payable and a complete amortization breakdown.
EPF / PF
Calculate your Employee Provident Fund (EPF) corpus at retirement. Enter monthly basic salary, salary growth rate, current age, and retirement age to project your PF balance including employer and employee contributions with annual compounding.
EPF vs NPS vs PPF
Compare EPF, NPS and PPF for the same annual contribution — see which builds the biggest retirement corpus, at each scheme's rate and tax treatment.
FD
Calculate your Fixed Deposit returns instantly. Enter principal, interest rate, and tenure to get maturity value, total interest, and a complete compounding schedule.
FD Break
Find out what you actually receive when you break an FD before maturity — interest at the reduced rate for the period held, minus the penalty — and what it costs you versus holding on.
Freelancer Tax
Estimate your income tax as a freelancer or small business under presumptive taxation — Section 44ADA (professionals, 50%) or 44AD (business, 6-8%) — with new vs old regime.
Gratuity
Calculate your gratuity payout instantly. Enter last drawn basic salary and years of service — supports both Government Act-covered employers (10+ employees) and non-covered organisations.
GST
Add or remove GST instantly. Supports all Indian tax slabs — 5%, 12%, 18%, and 28% — with a full breakdown of CGST, SGST, and IGST for inter- and intra-state transactions.
Home Loan
Calculate home loan EMI, total interest, and processing fees for India. Compare fixed vs floating rates and view year-wise amortization.
HRA
Calculate your House Rent Allowance (HRA) tax exemption under Section 10(13A). Enter basic salary, actual HRA received, rent paid, and city type to find the tax-free HRA amount and taxable portion.
Income Tax
Calculate your income tax for FY 2025-26 (AY 2026-27). Compare the new and old tax regimes side by side with deductions like 80C, HRA, and standard deduction applied.
Inflation
See both sides of inflation: how much a given expense will cost in the future, and how little today’s money will be worth then — in real purchasing power.
Loan Eligibility
Find out the maximum loan amount you are eligible for based on your monthly income, existing EMIs, interest rate, and tenure.
Loan Prepayment
Find out exactly how much interest and how many years you save by prepaying your home loan — with a side-by-side comparison and full amortization schedule.
Lumpsum
Calculate what a one-time lumpsum investment grows to, with compound annual returns, a year-by-year breakdown, and the inflation-adjusted real value in today's money.
MF Returns
Find your actual mutual fund returns — both absolute and annualised (CAGR for lumpsum, XIRR-style for SIP) — from what you invested and what it is worth today.
Mortgage
Calculate your monthly mortgage payment including principal, interest, property tax, and insurance (PITI). View a full amortization schedule.
Net Worth
Add up everything you own and subtract everything you owe to find your net worth — the single clearest measure of your financial health — plus your debt-to-asset ratio.
NPS
Plan your NPS retirement corpus. Enter monthly contribution, expected annual return, and investment period to see your total accumulated corpus, lump-sum payout, and estimated monthly pension.
NSC Calculator
Calculate the maturity value and interest on a National Savings Certificate (NSC) — a safe 5-year government scheme compounded annually, with an 80C tax benefit.
Personal Loan
Estimate your personal loan EMI and the true cost of borrowing — total interest plus the one-time processing fee — from the amount, rate and tenure.
PPF
Calculate your Public Provident Fund corpus instantly. Enter annual deposit and interest rate to see the 15-year maturity value, total interest earned, and a complete yearly schedule.
RD
Calculate your Recurring Deposit returns instantly. Enter monthly deposit amount, interest rate, and tenure to see maturity value, total interest earned, and a complete month-by-month schedule.
Rent vs Buy
Settle the rent-vs-buy question with numbers: compare your net worth after buying (home equity) against renting and investing the difference, over how long you actually plan to stay.
Retirement
Plan your retirement corpus. Enter current savings, monthly investment, expected returns, and retirement age to see if you're on track.
RSU / ESOP Tax
Calculate the full tax on your RSUs or ESOPs — the perquisite taxed as salary at vest/exercise, plus capital gains at sale — for both Indian-listed and foreign/US shares.
SCSS Calculator
Calculate the fixed quarterly income from a Senior Citizen Savings Scheme (SCSS) deposit — a safe, government-backed retirement income option that returns your full principal after 5 years.
Simple Interest
Calculate simple interest and total amount for any principal, interest rate, and time period. Includes a year-by-year breakdown and a comparison against compound interest to show the difference in returns.
SIP
Project your mutual fund SIP returns — see total invested amount, estimated wealth gain, and maturity value with a complete year-by-year breakdown.
SSY Calculator
Project the maturity value of a Sukanya Samriddhi Yojana (SSY) account for your girl child — deposit for 15 years, let it compound until year 21, all completely tax-free (EEE).
Step-Up SIP
Project a step-up SIP where you raise your monthly investment each year, and — unlike most calculators — see the inflation-adjusted value of your final corpus in today's money.
SWP
Plan a Systematic Withdrawal Plan (SWP): draw a fixed monthly income from your corpus while the rest stays invested, and see whether it lasts your full time horizon — or when it runs out.
UPS
Calculate your assured pension under India's Unified Pension Scheme (UPS) for central government employees effective April 2025.