Free Finance Calculators
Loan, mortgage, investment, insurance and money calculators. All calculators are free, instant, and require no signup.
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SIP Calculator
Calculate the future value of your Systematic Investment Plan with monthly contributions, expected return rate, and tenure. Includes step-up SIP and lumpsum comparison.
EMI Calculator
Calculate monthly EMI (Equated Monthly Installment) for home loan, car loan, or personal loan. Shows full amortization schedule with principal vs interest breakdown.
Income Tax Calculator
Calculate income tax for FY 2026-27 under both old and new tax regime. Includes Section 80C/80D deductions, HRA, standard deduction, rebate u/s 87A, and surcharge.
GST Calculator
Calculate GST amount and final price for any rate (5%, 12%, 18%, 28%). Add or remove GST from a price. Shows CGST + SGST split for intra-state and IGST for inter-state transactions.
Take-Home Salary Calculator
Convert your CTC (Cost to Company) into monthly in-hand take-home pay. Computes EPF, gratuity, HRA, professional tax, and income tax deductions under old + new tax regime side-by-side.
PPF Calculator
Calculate Public Provident Fund (PPF) maturity amount with 15-year lock-in, current 7.1% interest rate, and annual contribution up to ₹1.5 lakh. Tracks Section 80C deduction and year-by-year balance.
HRA Calculator
Calculate House Rent Allowance (HRA) exemption from income tax under Section 10(13A). Computes the least of actual HRA, 50% (metro) or 40% (non-metro) of basic, and rent minus 10% of basic.
FD Calculator
Calculate Fixed Deposit (FD) maturity amount and interest earned for any principal, interest rate, and tenure. Supports quarterly compounding (bank standard), monthly, or yearly compounding.
RD Calculator
Calculate Recurring Deposit (RD) maturity amount and total interest earned with monthly deposits and quarterly compounding (the standard for Indian bank RDs).
Stamp Duty Calculator
Calculate stamp duty and registration charges for property purchase across all major Indian states. Different rates apply for male / female / joint buyers in many states.
NPS Calculator
Calculate National Pension System (NPS) maturity corpus, monthly pension, and tax savings. Models 80CCD(1) + 80CCD(1B) deductions and the annuity-vs-lumpsum split at retirement age 60.
EPF Calculator
Calculate Employee Provident Fund (EPF) corpus at retirement with employer + employee 12% contributions, year-on-year salary growth, and annual interest compounding at current 8.25% rate.
Mutual Fund Returns Calculator
Calculate the future value of a mutual fund investment combining one-time lumpsum + monthly SIP. Shows total returns, effective XIRR, and a year-by-year growth chart.
Lumpsum Calculator
Calculate the future value of a one-time lumpsum investment in a mutual fund or any compound-growth asset. Compare with equivalent SIP returns over the same investment horizon.
Home Loan EMI Calculator
Calculate monthly EMI for your home loan with prepayment options, total interest, and full amortization schedule. Compare 20-year vs 30-year tenure side-by-side and see how prepayments accelerate payoff.
Car Loan EMI Calculator
Calculate monthly EMI for new and used car loans with down-payment, ex-showroom vs on-road price split, and full amortization schedule. Compare 3 / 5 / 7-year tenure side-by-side.
Personal Loan EMI Calculator
Calculate monthly EMI for unsecured personal loans with processing-fee + GST factored into the true cost. Shows APR vs flat rate, total interest, and full amortization schedule for 1-5 year tenures.
Bike Loan EMI Calculator
Calculate monthly EMI for two-wheeler loans (bike, scooter, electric two-wheeler) with down-payment, on-road price, and amortization schedule. Supports 1-5 year tenures.
Education Loan EMI Calculator
Calculate monthly EMI for education loans with moratorium period (interest-accrual during study), repayment phase, and Section 80E tax-deduction estimate. Handles both simple-interest and compounded-interest moratorium policies.
Credit Card EMI Calculator
Convert a credit-card purchase into EMI and see the true cost including processing fee, GST on interest, and total payable across 3 / 6 / 9 / 12 / 18 / 24-month tenures.
Loan / EMI Calculator
Calculate monthly loan payments, total interest, and full amortization schedule for any loan.
SSY Calculator
Calculate maturity corpus for the Sukanya Samriddhi Yojana (SSY) — the girl-child small-savings scheme. 15 years of contribution + 6 years of interest-only growth at the current 8.2% rate. Tax-free under EEE.
NSC Calculator
Calculate maturity amount for the 5-year National Savings Certificate (NSC) with the current 7.7% annual compounding rate. Shows year-by-year interest accrual and the Section 80C deduction available on principal + auto-reinvested interest.
SCSS Calculator
Calculate quarterly interest payout and total returns for the Senior Citizen Savings Scheme (SCSS) at 8.2% — max ₹30 lakh deposit, 5-year tenure (extendable by 3 years), interest paid every quarter.
APY Calculator
Calculate the monthly contribution required for the Atal Pension Yojana (APY) to secure a fixed pension of ₹1,000–₹5,000 per month from age 60. Shows total contribution, lump-sum corpus, and lifetime pension projection.
Post Office MIS Calculator
Calculate monthly interest payout from the Post Office Monthly Income Scheme (POMIS) at the current 7.4% rate. Max ₹9 lakh single / ₹15 lakh joint account; 5-year lock-in; principal returned at maturity.
CAGR Calculator
Calculate the Compound Annual Growth Rate (CAGR) for any investment — given initial value, final value, and time period. Shows annualized return, total absolute return, and a year-by-year growth curve.
XIRR Calculator
Calculate the Extended Internal Rate of Return (XIRR) for any series of irregular cashflows — SIP installments, lumpsum top-ups, partial withdrawals, and final redemption. Shows the true annualized return for non-uniform investment patterns.
SWP Calculator
Calculate Systematic Withdrawal Plan (SWP) outcomes — how long a mutual fund corpus will last while withdrawing a fixed monthly amount, with the remaining balance still earning returns. Pairs with retirement income planning.
Step-Up SIP Calculator
Calculate the future value of a SIP that increases annually by a fixed percentage (e.g. 10% per year). Models the salary-hike-linked top-up that lets you grow your investment alongside your income — usually 2-3× the corpus of a flat SIP.
Inflation Calculator
Calculate the future cost of today's money under a given inflation rate, and the real purchasing power of a future amount in today's terms. Useful for retirement planning, education-goal sizing, and any long-horizon financial decision.
Capital Gains Tax Calculator
Calculate Long-Term and Short-Term Capital Gains tax (LTCG / STCG) on equity, debt mutual funds, gold, and real estate. Applies the post-Budget-2024 rules — 12.5% LTCG on equity above ₹1.25L, 20% STCG on equity, slab rate on debt MF.
TDS Calculator
Calculate Tax Deducted at Source (TDS) under Sections 192 (salary), 194A (interest), 194C (contractor), 194H (commission), 194I (rent), and 194J (professional fees). Handles PAN / no-PAN rates and threshold-aware deductions.
Tax Saving (80C) Calculator
Plan your tax-saving investments under Section 80C (₹1.5L cap), 80D (health insurance), 80CCD(1B) (NPS extra ₹50K), 80E (education loan interest), and 24(b) (home loan interest). Shows total tax saved at your slab.
Gratuity Calculator
Calculate gratuity payout on resignation or retirement under the Payment of Gratuity Act 1972. Supports both covered (15/26 formula) and non-covered (15/30 formula) employer types. Shows the ₹20 lakh tax-exempt cap.
Retirement Calculator
Calculate the retirement corpus you need to maintain your current lifestyle, factoring inflation in living expenses, expected pre- and post-retirement returns, and life expectancy. Shows the monthly SIP required to reach the target.
Gold Loan EMI Calculator
Calculate eligible loan amount per gram of gold using the current RBI 75% loan-to-value cap, plus monthly EMI on the loan. Supports 18K / 22K / 24K purity and overdraft (interest-only) vs reducing-balance EMI repayment.
Home Loan Eligibility Calculator
Calculate the maximum home loan you qualify for based on monthly income, age, existing EMI obligations (FOIR ≤ 50-65%), tenure, and current interest rate. Shows the property price you can afford with your down-payment.
LAP EMI Calculator
Calculate Loan Against Property (LAP) EMI and eligible amount based on property value, LTV ratio (typically 50-75%), property type (residential / commercial), tenure, and interest rate. Pairs with secured-lending tax benefit context.
Savings Interest Calculator
Calculate quarterly-compounded interest on your savings account using the RBI-mandated daily-balance method (post-April 2010). Shows the impact of switching between low-rate and high-rate banks at the same average balance.
Home Loan Prepayment Calculator
Calculate the interest you save and the tenure reduction (or EMI reduction) from a one-time lumpsum, a recurring annual prepayment, or a monthly extra payment on your home loan. Shows when prepayment beats investing the same amount in equity.
Compound Interest Calculator
Calculate compound interest with annual / half-yearly / quarterly / monthly / daily compounding. Shows the rupee growth curve, effective annual rate (EAR) vs nominal, year-by-year breakdown, and a comparison vs simple interest on the same principal + rate + time.
Term Insurance Premium Calculator
Estimate annual term insurance premium based on age, gender, smoker status, sum assured, and policy term. Shows representative rates from LIC / HDFC Life / ICICI Pru / Tata AIA / Max Life so you can budget before getting actual quotes.
Health Insurance Premium Calculator
Estimate annual mediclaim premium for individual, family floater, and senior citizen policies. Age-band loading, city tier, sum insured, and parental coverage all factored. Shows indicative premiums across Star / HDFC ERGO / Niva Bupa / Care.
Human Life Value (HLV) Calculator
Calculate the ideal term insurance cover you need using two methods: income-replacement (PV of future earnings) and needs-based (outstanding loans + children's education + spouse retirement corpus minus existing assets).
IDV (Car Insurance) Calculator
Calculate Insured Declared Value (IDV) for car insurance using the IRDAI-mandated depreciation grid. IDV is the maximum claim the insurer will pay in case of total loss / theft — and determines your Own Damage premium.
Car Insurance Premium Calculator
Estimate annual car insurance premium combining IRDAI-fixed third-party (TP) liability premium + Own Damage premium (% of IDV) + add-ons (zero dep, engine protect, roadside) + 18% GST. Applies No Claim Bonus discount.
Brokerage Calculator
Calculate total cost per trade across equity intraday, equity delivery, equity F&O futures, equity F&O options, currency futures, currency options, and commodity futures. Includes brokerage, STT, exchange transaction charges, SEBI fee, stamp duty, and 18% GST.
SPAN Margin (F&O) Calculator
Calculate SPAN + Exposure margin required to trade F&O positions — futures, options buy/sell, MIS (intraday) vs NRML (overnight). Shows margin per lot, full-account margin utilization, and approximate buying-power leverage.
Option Pricing Calculator
Compute theoretical Call / Put option price using the Black-Scholes-Merton model. Returns Greeks (Delta, Gamma, Theta, Vega, Rho) so you can evaluate options strategies before placing the trade.
Stock Average Calculator
Recompute the average buy price after additional purchases (dollar-cost averaging or averaging down on a loss). Shows total invested, new average, break-even price required to recover, and percent change from original entry.
IPO Return Calculator
Calculate IPO allotment profit, listing-day gain, and post-listing % return. Accounts for application size in lots, oversubscription-driven allotment ratio, lot size, issue price, and listing price.
Advance Tax Calculator
Calculate quarterly advance tax installments per Section 211 (15% by Jun 15, 45% by Sep 15, 75% by Dec 15, 100% by Mar 15). Shows current shortfall, next due date, and remaining liability across the financial year.
234A/B/C Interest Calculator
Calculate penalty interest under Section 234A (late ITR filing), 234B (insufficient advance tax), and 234C (deferred advance tax installments). Each section accrues 1% per month — shows breakdown and total interest owed.
CII Indexation Calculator
Calculate indexed cost of acquisition using CBDT-published CII values, plus the post-Budget-2024 dual-mode capital gains comparison: 20% with indexation vs 12.5% without indexation (for property and unlisted assets acquired before 23 July 2024).
Rent Receipt Generator Calculator
Generate printable rent receipts for HRA tax claim. Auto-fills tenant name, landlord name, monthly rent, period, address, and PAN (required if annual rent > ₹1 lakh). Generates 12 monthly receipts in one go.
87A Rebate Calculator
Calculate Section 87A tax rebate — full rebate (up to ₹60K) for income up to ₹12L under new regime FY25-26, up to ₹12.5K for ₹5L under old regime. Includes marginal relief calc when income slightly exceeds the threshold.
TCS Foreign Remittance Calculator
Calculate Tax Collected at Source (TCS) on outbound foreign remittances under the Liberalised Remittance Scheme (LRS). Applies 20% TCS above the ₹10 lakh annual threshold, 2% for education/medical (post-Budget-2026), and 5% for education funded by loan.
LRS Limit Tracker Calculator
Track your Liberalised Remittance Scheme (LRS) annual cap of USD 250,000 per individual per financial year across all categories — education, medical, investment, gifts, travel. Shows remaining limit + breakdown by purpose.
Forex Comparison Calculator
Compare total cost of sending money abroad across 4 channels: forex card, bank wire (SWIFT), Wise (mid-market), and credit card swipe abroad. Factors in markup %, GST, TCS, and per-transaction fee. Picks the cheapest option.
NRE vs NRO FD Calculator
Compare NRE FD (tax-free + fully repatriable) vs NRO FD (TDS 30% + partially repatriable up to $1M/yr) for NRIs. Shows post-tax maturity, exchange-risk implications, and which suits each repatriation use-case.
Rent vs Buy Calculator
Compare the total cost of renting vs buying a home over time — factors in home loan EMI, down payment opportunity cost, property tax + maintenance, expected rent escalation, and property appreciation. Shows break-even year + net cost differential.
Crypto Tax Calculator
Calculate tax on cryptocurrency / Virtual Digital Asset (VDA) gains per Section 115BBH — flat 30% + 4% cess, no loss set-off, no indexation. Also includes Section 194S 1% TDS on transfers above ₹50,000 (₹10,000 for specified persons).
Rental Yield Calculator
Calculate gross + net rental yield on residential or commercial property. Factors in maintenance, property tax, vacancy rate, and TDS on rent. Compares against FD return so you can decide if real estate is the right asset class for the capital.
Annuity Calculator
Calculate monthly annuity payout from a lump-sum purchase price across 7 LIC Jeevan Akshay options — immediate / deferred / with return of purchase price / spouse-pension etc. Indicative rates anchored to current LIC + HDFC Life + ICICI Pru annuity rate cards.
Bike Insurance Premium Calculator
Estimate annual bike / scooter / two-wheeler insurance premium combining IRDAI-fixed third-party (TP) liability premium + Own Damage premium (% of IDV) + add-ons (zero dep, engine protect, roadside assistance) + 18% GST. Applies No Claim Bonus discount.
Travel Insurance Premium Calculator
Estimate travel insurance premium based on destination region (Asia / Europe / Worldwide-excl-US / Worldwide-incl-US), trip duration, traveller age, and coverage tier ($50K / $100K / $250K / $500K). Indicative rates from Bajaj Allianz / Tata AIG / ICICI Lombard / HDFC ERGO.
ULIP Returns Calculator
Calculate net returns on Unit Linked Insurance Plan (ULIP) after deducting Premium Allocation Charges, Mortality Charges, Fund Management Charges (FMC), and Policy Administration Charges. Compares ULIP IRR vs equivalent SIP in a mutual fund.
LIC Maturity Calculator
Estimate maturity sum (Sum Assured + Vested Bonuses + Final Additional Bonus) for LIC endowment policies (Jeevan Anand / Jeevan Labh / New Endowment Plan etc.), plus surrender value if policy surrendered mid-term. Uses LIC's published bonus rate history.
Personal Loan Eligibility Calculator
Calculate maximum personal loan eligibility using the FOIR (Foreseeable Obligations to Income Ratio) rule used by every Indian bank — typically 50-60% of monthly income minus existing EMIs. Supports salaried + self-employed + senior citizen profiles.
Home Loan Affordability Calculator
Calculate the maximum property price you can afford — reverse EMI math from your monthly income, existing EMIs, down payment available, home loan rate, and tenure. Applies HDFC / SBI / ICICI 40-50% FOIR caps + lender LTV (loan-to-value) constraints.
Home Loan Balance Transfer Calculator
Calculate interest savings from transferring your home loan to a lower-rate lender mid-tenure. Factors in processing fee + legal/valuation charges + GST 18% + break-even months. Shows when balance transfer is worth it.
Discount Calculator
Calculate the sale price after a percentage discount, savings amount, and original price.
Surcharge + Marginal Relief Calculator
Calculate income tax surcharge for HNI taxpayers (10% above ₹50L, 15% above ₹1Cr, 25% above ₹2Cr, 37% above ₹5Cr under old regime / max 25% under new regime FY26-27) plus marginal relief that caps tax at excess income above the slab boundary.
Old vs New Regime Calculator
Compare income tax under old regime (with 80C / 80D / HRA / home loan deductions) vs new regime (FY 2026-27 slabs with ₹12L tax-free threshold, ₹60K rebate u/s 87A). Shows side-by-side tax + which regime saves more for your specific deduction profile.
Pivot Points Calculator
Calculate intraday Pivot Points + Support / Resistance levels using all 4 methods — Classic (Standard), Camarilla, Woodie, and DeMark. Used by intraday traders for entry/exit triggers and stop-loss placement.
CTC Breakdown Calculator
Break down annual CTC (Cost to Company) into Basic / HRA / LTA / Special Allowance / Bonus / Variable Pay / Employer PF / Gratuity Provision / Insurance. Also supports reverse-salary mode: enter desired in-hand and get required CTC.
ESOP Tax Calculator
Calculate ESOP (Employee Stock Option Plan) tax at TWO points — (1) perquisite tax at exercise on FMV minus strike price, at your salary slab; (2) capital gains tax on sale (LTCG if held > 12 months listed / > 24 months unlisted, else STCG slab rate).
Investment Calculator
Calculate investment growth, returns, and final value with regular contributions.
Agniveer Corpus Calculator
Calculate the Seva Nidhi corpus an Agniveer earns over 4 years of service under the Agnipath scheme — 30% monthly contribution + 30% government match, growing at 8.05% PPF-equivalent rate, tax-free at exit per Section 80CCH. Defaults render the official ₹11.71L pay-out.
PM Surya Ghar Subsidy Calculator
Calculate Central Financial Assistance (CFA) subsidy under the PM Surya Ghar Muft Bijli Yojana — ₹30,000 for 1kW, ₹60,000 for 2kW, ₹78,000 cap for 3kW+. Direct-bank-transfer post-installation by a DISCOM-empanelled vendor.
Savings Calculator
Calculate how fast your savings will grow with regular deposits and compound interest.
Simple Interest Calculator
Calculate simple interest (SI = P × R × T / 100) for any principal, rate, and time. Shows step-by-step substitution into the formula, year-by-year interest accrual, and a comparison vs compound interest on the same inputs.
ROI Calculator
Calculate return on investment percentage and profit for any business or personal investment.
Budget Calculator
Create a personal budget, track expenses, and plan your monthly finances.
Profit Margin Calculator
Calculate gross profit margin, net profit margin, and markup percentage.
Amortization Calculator
Generate a full loan amortization schedule showing principal, interest, and balance each month.
Currency Calculator
Convert between 170+ world currencies with live exchange rates.
Commission Calculator
Calculate sales commission, earned amount, and commission rate.
Percent Off Calculator
Calculate sale price and savings when a percent discount is applied.
FIRE / Retirement Calculator
Calculate your Financial Independence date using the 4% rule. See how much you need to retire early.
Future Value Calculator
Calculate the future value of an investment or savings with regular contributions and compound interest.
Present Value Calculator
Calculate the present value of a future cash flow or annuity stream using a discount rate.
Interest Rate Calculator
Calculate the interest rate on a loan given principal, monthly payment, and term.
IRR Calculator
Calculate the Internal Rate of Return (IRR) for a series of cash flows.
Average Return Calculator
Calculate arithmetic mean, geometric mean, and CAGR from a series of annual investment returns.
Payback Period Calculator
Calculate the payback period for a business investment or capital expenditure.
About our finance calculators
Money decisions in India come with their own rules — EMIs governed by RBI rates, SIPs in mutual funds, GST on almost every purchase, income tax that changes with each Union Budget, and fixed deposits that still anchor most household savings. Our finance calculators are built around these realities, not generic global formulas, so the numbers you see match what your bank, your fund house, and the Income Tax Department actually use.
Whether you are comparing a home loan against a car loan, working out how much a monthly SIP could grow over fifteen years, checking the GST on an invoice, or estimating your tax under the old versus the new regime, each tool gives an instant, transparent answer along with the formula behind it. The most-used calculators here include the EMI calculator, SIP calculator, income tax calculator, GST calculator, fixed deposit calculator, and the lumpsum and PPF tools — the everyday maths of running a household and planning ahead in rupees.
Every finance calculator is free, works on any phone or laptop, needs no login, and keeps your figures on your device — nothing you type is sent anywhere or saved. They are designed for quick what-if planning: change one number, see the impact immediately, and compare options side by side before you commit. For anything that affects your taxes or a large financial commitment, treat the result as a well-informed estimate and confirm the final figure with your bank, advisor, or a chartered accountant.