Financial Calculators for India (35+ tools)

Financial Calculators · India

All Financial Calculators

35 interactive calculators built for Indians. Verified math, no signups, no ads.

Loans & EMIs

Computing EMIs, qualifying amounts, and the impact of rate changes / pre-payments.

EMI Calculator
Home, car, or personal loan EMIs + pre-payment simulator + rate-change impact tool.
Repo Rate Impact Calculator
What the Oct 2026 repo hike does to your home loan: higher EMI vs longer tenure, compared side by side.
Home Loan Balance Transfer Calculator
Net saving after processing fee, GST and legal costs, break-even month, and the finish-earlier option.
Home Loan Eligibility
Max loan you qualify for based on income and existing EMIs using bank FOIR method.
Balance Transfer Calculator
Compare staying on your high-APR card vs transferring to 0% promo. Factors processing fee, GST and post-promo rate.
Credit Card EMI Calculator
Convert card spends into EMIs and see interest, GST on interest, and total cost.
Reward Points Value
What your credit-card reward points are actually worth in cash vs travel redemptions.

Tax

Income tax slabs, capital gains, exemptions, and other Indian tax calculations for FY 2026-27.

Income Tax Calculator
Simple new vs old regime comparison with verified slabs, 87A rebate, surcharge + cess.
HRA Calculator
Exact HRA exemption under Section 10(13A) with three-method comparison.
Capital Gains Calculator
STCG & LTCG auto-detected by holding period. Grandfathering for pre-23-Jul-2024 assets.
Gratuity Calculator
Payment under Gratuity Act 1972 formula + ₹20L tax-exempt cap analysis.
GST Calculator
Add or remove GST at any slab (5/12/18/28%). CGST+SGST split for intra-state.
Advance Tax Calculator
4-installment schedule (15/45/75/100%) per Section 211 + interest under 234C.
TDS Calculator
All major payment categories — interest, rent, professional, contractor, dividend.
Freelancer Tax Calculator
Compares Presumptive 44ADA/44AD vs Regular books, picks lower tax.
STCG Calculator
Short-term capital gains tax on equity (Section 111A, 20%) and other assets.

Investments & Savings

Project mutual fund growth, PPF, NPS, FDs, and withdrawal plans.

Mutual Fund Calculator
SIP (with step-up), Lumpsum, or Solve-for-Goal — three modes in one tool.
PPF Calculator
15-year (extendable) PPF corpus with current 7.1% rate. Tax-free under 80C.
NPS Calculator
National Pension System: corpus, 60% tax-free lumpsum, 40% mandatory annuity.
FD / RD Calculator
Fixed and recurring deposits with quarterly compounding + TDS threshold warning.
SWP Calculator
Systematic withdrawal for retirement income. 4–5% safe withdrawal guidance.
Time Value of Money
Compound interest growth OR inflation erosion — same math, two perspectives.
XIRR & CAGR Calculator
Measure investment returns on SIPs, lumpsums, or irregular cashflows. Newton-Raphson XIRR plus simple CAGR in one tool.
Lumpsum Calculator
Future value of a one-time investment at an expected annual return.
Inflation Calculator
How inflation erodes purchasing power and what a sum will cost in the future.
Goal-Based SIP
Monthly SIP needed to reach a target corpus by your goal date.
Step-Up SIP Calculator
Project SIP growth when you raise your contribution every year.

Retirement & Insurance

Retirement Corpus
Inflation-adjusted corpus needed + monthly SIP required to build it.
Term Insurance Coverage
Human Life Value (HLV) method for the right term cover.
Health Insurance Coverage
Family health cover by city tier, age, pre-existing conditions, medical inflation.
EPF vs PPF vs NPS
Side-by-side corpus comparison of three retirement vehicles at the same contribution.
EPF Maturity Calculator
Project your Provident Fund corpus at retirement. Employer split, 8.25% interest, salary growth, EPS pension estimate.

Salary & Career

Salary Calculator
CTC to in-hand + optional compare-two-offers mode for evaluating a hike or job switch.
Salary Hike Calculator
Your percentage hike and new in-hand from old and new salary figures.

Real Estate

Rent vs Buy
10-year financial comparison: buying vs renting + investing the down payment.
Stamp Duty Calculator
State-wise stamp duty + registration charges for property purchase. Female-buyer discounts factored in.
Loan Prepayment
See interest saved + months cut from a lump-sum or extra-EMI prepayment.

Which calculator do you need?

Taking a loan? Start with the EMI calculator, check how much you can borrow with the home loan eligibility calculator, and see whether switching lenders pays off with the home loan balance transfer calculator. Already paying EMIs? The prepayment calculator shows the interest you save.

Planning tax? Compare regimes in the income tax calculator, then use the HRA, capital gains and advance tax calculators for specific items. All tax calculators use FY 2026-27 rules; note that the Income-tax Act 2025 applies from 1 April 2026 and has renumbered many sections.

Investing or saving? Project SIP and lumpsum returns with the mutual fund calculator, compare small-savings options with the PPF and FD/RD calculators, and measure real returns with XIRR/CAGR.

Retirement and protection: work out your target with the retirement corpus calculator, estimate pension with the NPS calculator, and size your cover with the term insurance and health insurance calculators.

How we build these calculators

Each calculator uses the standard formula for its product (for example, the reducing-balance EMI formula or quarterly compounding for bank FDs) and current official rates where a rate is fixed by the government, such as PPF at 7.1% for October–December 2026. Results are estimates: your lender, bank or the tax department’s own computation is final. Every calculator page explains its formula with a worked example so you can check the maths yourself.