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Free Financial Calculators

138 free calculators for loans, investments, savings, and tax planning in India — EMI, SIP, income tax, FD, PPF, gratuity, GST, and more. Try any calculator instantly, no account needed.

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Income Tax Calculator

Compound Interest

Gratuity Calculator

Loan(21)

EMI CalculatorCalculate EMI for home, car, or personal loans, including total interest and processing cost
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Loan EligibilityCheck how much loan you can get based on your income
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Prepayment CalculatorSee the impact of prepaying your loan
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Compare LoansCompare two loan offers side by side
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Home Loan Pre-EMI CalculatorInterest-only pre-EMI during construction, then a full EMI once the property is ready.
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Car Loan Balloon Payment CalculatorA lower EMI with a lump-sum balloon payment due at the end of the tenure.
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Education Loan Moratorium CalculatorInterest accrued during the course + moratorium period, capitalized into the post-moratorium EMI.
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Gold Loan CalculatorLoan eligibility against gold at the RBI LTV cap, with bullet or EMI repayment.
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Loan Against Property (LAP) CalculatorLAP eligibility capped at the property-value-tiered RBI LTV band, with a standard EMI.
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Personal Loan Cost-of-Credit CalculatorTrue cost of a personal loan including processing fees and other charges, with the effective APR.
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Loan Balance Transfer Savings CalculatorInterest saved by transferring an outstanding loan to a new lender, net of the transfer fee.
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Top-Up Loan Affordability CalculatorRevised EMI and FOIR impact of adding a top-up amount to an existing loan.
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EMI Holiday / Moratorium Impact CalculatorCost of pausing EMIs for a few months and its impact on the EMI or the remaining tenure.
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Loan Part-Prepayment Schedule CalculatorImpact of one or more scheduled prepayments on the loan schedule -- reduced tenure or reduced EMI.
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Floating Rate Reset Impact CalculatorImpact of a repo/EBLR-linked rate reset on an existing loan -- revised EMI or revised tenure.
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Two-Loan APR Comparison CalculatorCompares two loan offers by fee-inclusive effective APR (not just headline rate) and recommends one.
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Loan Tenure vs EMI Trade-Off ExplorerEMI and total interest at each of several candidate tenures, for a slider/graph comparison.
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Fixed vs Floating Rate Loan ComparisonCompares a fixed-rate loan against a two-phase floating-rate assumption over the same tenure.
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Step-Up EMI Loan CalculatorSolves the initial EMI for a loan whose EMI rises a fixed percent every year, with the year-wise schedule.
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Education Loan with Course-Linked MoratoriumEducation loan EMI where the moratorium is tied to the course's own duration plus a grace period, with simple interest accrued during that period capitalised into the principal before EMIs start.
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Bank Loan Eligibility Engine (Multi-Factor)Holistic loan eligibility across products (home/personal/car) factoring in credit score band, employment type and co-applicant income -- extends the single-purpose Loan Eligibility calculator with the underwriting factors a bank actually weighs.
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Investment(23)

SIP CalculatorCalculate returns on your Systematic Investment Plan
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Lumpsum CalculatorCalculate future value of a one-time investment
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SWP CalculatorCalculate systematic withdrawal from your investment
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Step-up SIPSIP with annual increase in investment amount
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SIP vs LumpsumCompare SIP and lumpsum investment strategies
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ELSS vs PPF vs FDCompare post-tax returns across ELSS, PPF, and FD over long term
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Mutual Fund Overlap CalculatorSee how much two mutual funds duplicate each other’s holdings
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Expense Ratio Drag CalculatorSee the rupee cost of a fund’s expense ratio compounded over the years
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Direct vs Regular Mutual Fund PlanCompare the compounded cost of a Regular plan’s commission against a Direct plan
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SIP Pause Impact CalculatorSee the long-term corpus shortfall caused by pausing a SIP
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SIP Step-down CalculatorSIP with an annual decrease in investment amount, complementing Step-up SIP
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STP Ladder CalculatorModel a Systematic Transfer Plan moving a lumpsum into equity over time
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SWP Sustainability Ladder CalculatorA step-up (inflation-adjusted) systematic withdrawal plan, extending flat SWP
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Dividend (IDCW) vs Growth Option CalculatorCompare a mutual fund’s post-tax net wealth under the Dividend/IDCW option versus the Growth option
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Bond YTM & Duration CalculatorYield-to-maturity, Macaulay & modified duration, and convexity for a fixed-coupon bond
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Treasury Bill (T-Bill) ReturnDiscount yield and annualized bond-equivalent yield for a Treasury Bill bought at a discount to face value.
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G-Sec (RBI Retail Direct) YieldCurrent yield, approximate yield-to-maturity, and accrued interest for a Government Security bought via RBI Retail Direct.
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Sovereign Gold Bond (SGB) ReturnTotal return from an SGB combining the fixed annual interest and gold price appreciation, with capital-gains tax-exemption status at 8-year maturity.
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REIT / InvIT Distribution YieldTrailing and current distribution yield for a REIT/InvIT unit, split into interest, dividend and capital-return components.
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NPS Tier-2 vs Mutual FundCompares an NPS Tier-2 SIP corpus (no lock-in, blended equity/debt return) against an equivalent equity mutual fund SIP, both post-tax.
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ETF Tracking ErrorTracking error (population standard deviation of period-return differences) and cumulative tracking difference between an ETF and its benchmark.
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Asset Allocation RebalancingBuy/sell amounts per asset class (equity, debt, gold, cash) to bring a portfolio back to its target allocation once drift exceeds a threshold.
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Fund Switch Cost-BenefitExit-load and capital-gains-tax cost of switching mutual funds against the annual saving from a lower expense ratio, and years to recover the switch cost.
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Savings(13)

Goal PlannerCalculate required SIP to reach your financial goal
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Inflation GoalCalculate inflation-adjusted amount for future goals
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Emergency FundCalculate how much emergency fund you need
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Sukanya SamriddhiCalculate Sukanya Samriddhi Yojana maturity value
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FD CalculatorCalculate Fixed Deposit maturity with quarterly compounding
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RD CalculatorCalculate Recurring Deposit maturity amount
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EPF CalculatorEmployee + employer EPF/EPS contributions and maturity corpus
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Senior Citizen Savings Scheme (SCSS)5-year SCSS with quarterly interest payout
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National Savings Certificate (NSC)5-year NSC with annual compounding
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Kisan Vikas Patra (KVP)Money-doubling KVP tenure and maturity value
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Atal Pension Yojana (APY)Estimated monthly contribution for a target APY pension (approximate)
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Emergency Fund RunwaySee how many months your existing emergency fund actually lasts if your income stops or drops, and the gap to the recommended 6-12 months.
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VPF Growth CalculatorProjects Voluntary Provident Fund maturity corpus from a contribution above the mandatory 12% EPF share, at the published EPF interest rate, flagging the portion of interest taxable under the post-2021 ₹2.5L contribution threshold.
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Tax(20)

HRA ExemptionCalculate your HRA tax exemption
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Old vs New TaxCompare old and new tax regimes
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Gratuity CalculatorCalculate your gratuity amount
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PPF CalculatorCalculate PPF maturity amount
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Income Tax CalculatorCalculate income tax under old vs new regime with all deductions
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NPS CalculatorCalculate NPS corpus, annuity and lumpsum at retirement
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Capital Gains TaxCalculate LTCG/STCG tax on equity gains (post-Jul-2024 rates)
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GST-Inclusive Pricing CalculatorWork backward from the net amount you want to receive to the GST-inclusive price you should list at -- the reverse direction of the standard GST calculator.
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Advance Tax CalculatorQuarterly advance-tax instalments (15/45/75/100%) with 234B/234C interest estimate
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TDS on Salary CalculatorMonthly TDS to be deducted from salary under Section 192
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Presumptive Taxation (44AD/44ADA)Presumptive taxable income and tax for small businesses and professionals
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Professional Tax CalculatorState-wise monthly and annual professional tax
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Leave Encashment ExemptionTax-exempt vs taxable portion of leave encashment (Section 10(10AA))
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GST: Composition vs RegularCompare tax payable under the GST Composition Scheme vs the Regular Scheme
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Capital Gains: Debt Mutual FundsTax on debt mutual fund gains -- slab rate (Sec 50AA, units acquired on/after 2023-04-01) or grandfathered 20% with indexation for older units
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Capital Gains: Gold / Unlisted Shares / CryptoTax on physical/digital gold, unlisted shares, or Virtual Digital Assets (crypto/NFTs) -- flat 30% for VDA, LTCG/STCG with optional indexation for the rest
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HUF Tax CalculatorTax liability of a Hindu Undivided Family as a separate assessee, compared against clubbing the same income into a member’s individual hands
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GST Input Tax Credit (ITC) CalculatorNet GST payable after Input Tax Credit set-off, including blocked credits (Sec 17(5)) and Rule 42/43 reversal
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GST E-Invoice Threshold CheckerWhether e-invoicing is mandatory for your business, based on the highest aggregate turnover in any financial year since 2017-18
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CTC to In-Hand SalaryBreak up an annual CTC into basic, HRA, PF, gratuity and special allowance, and estimate the monthly in-hand salary after tax.
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Business(24)

GST CalculatorCalculate GST inclusive/exclusive, CGST/SGST/IGST
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Profit MarginCalculate profit margin and markup
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Break-even PointCalculate break-even units and revenue
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Working CapitalCalculate working capital cycle
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Invoice DiscountingCalculate effective rate for invoice discounting
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Product Pricing & Margin CalculatorWork backward from cost price and a desired margin, factoring in GST, marketplace commission, and payment gateway fees, to the selling price that actually nets you that margin.
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Marketplace Fee Impact CalculatorSee the true take-home from a sale after marketplace commission, shipping fee, collection fee, and GST charged on those fees.
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COD vs Prepaid Profitability CalculatorCompare per-order net revenue between Cash-on-Delivery and prepaid channels, accounting for each channel’s handling/gateway fee and expected RTO (return-to-origin) loss rate.
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Return Rate Impact CalculatorQuantify how much order returns erode margin -- reverse-logistics cost, restocking loss, and lost gross margin on returned units -- plus the breakeven return rate that would wipe out all profit.
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Move Cost EstimatorEstimate a household move’s total cost from inventory volume, distance, city tier, and optional packing/insurance add-ons. Rates are indicative business estimates, not a regulated tariff.
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ROAS CalculatorReturn on ad spend, plus the breakeven ROAS implied by your gross margin -- the core paid-marketing efficiency metric.
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CPL / CPA CalculatorCost per lead, cost per acquisition, and lead-to-conversion rate from campaign spend, leads, and conversions -- standard funnel-efficiency metrics for client reporting.
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Ad Budget Pacing CalculatorTrack whether a monthly ad budget is on pace -- daily pacing target, projected month-end spend, and an over/under-pace flag.
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Media Mix Allocation CalculatorSuggested budget split across three channels, weighted by each channel’s historical ROAS -- a data-backed starting allocation instead of an ad-hoc split.
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Depreciation (Companies Act)SLM/WDV depreciation over Schedule II useful life with 5% residual value
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Break-even Point (Time-based)Break-even units and the calendar date you reach them at your current sales run-rate
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CAC : LTV RatioCustomer acquisition cost, lifetime value, and the LTV:CAC ratio every SaaS/D2C business tracks
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Startup Runway & Burn RateNet burn, runway in months, and a projected zero-cash date
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Startup Valuation (Multi-method)Revenue-multiple, EBITDA-multiple and DCF valuations reported as a range
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Equity Dilution (Funding Round)Post-money valuation, new investor %, and dilution to an existing holder
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ESOP Value & VestingVested value, exercise cost, and estimated tax-on-exercise (perquisite) for an employee stock option grant
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Cash Conversion CycleCash conversion cycle in days from DIO, DSO and DPO taken directly as inputs
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Invoice Factoring CostNet proceeds and effective annualised cost of funds under a factoring advance + fee structure
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MSME Loan Eligibility & SubsidyUdyam MSME classification, turnover-method working-capital eligibility, and CGTMSE/MUDRA scheme cover
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Advanced Finance(23)

NPV CalculatorCalculate Net Present Value of cashflows
IRR CalculatorCalculate Internal Rate of Return
CAGR CalculatorCalculate Compound Annual Growth Rate
XIRR CalculatorCalculate XIRR for irregular cashflows
DepreciationCalculate depreciation (SLM/WDV)
ROI CalculatorCalculate Return on Investment
Child's Education GoalPlan the future cost of a child's education and the SIP needed to reach it, using education-specific inflation.
Child's Marriage GoalPlan the future cost of a child's marriage and the SIP needed to reach it, using wedding-cost inflation.
Home Down Payment GoalPlan the down payment needed for a future home purchase as both the home price and your savings grow.
Car Purchase GoalPlan the SIP needed to buy a car at a future date, with a loan-vs-cash note.
Vacation GoalPlan the monthly saving needed to fund a future trip.
School/College Fee Installment PlannerSplit an annual fee into installments, see the late-fee cost of a missed one, and compare against paying the full year upfront for an early-bird discount.
ULIP vs Term + Mutual FundCompares a ULIP's maturity value (after allocation, fund-management and mortality charges) against buying a pure term plan and investing the premium difference in an equity mutual fund SIP.
Scholarship Net-Cost CalculatorNet out-of-pocket cost of a course after a scholarship and other aid, plus the monthly SIP needed to fund the gap over the course.
Health Insurance Cover-NeedSizes a recommended health insurance sum insured for a family, inflated for medical cost inflation, and shows the gap vs an existing employer/personal cover.
Term Insurance Premium EstimatorIndicative annual term-insurance premium from age, sum assured, tenure and smoker status, using an illustrative rate-per-lakh table -- not an insurer's actual rate card.
Claim Settlement Ratio ComparatorRanks selected life insurers by their published claim settlement ratio, from a static IRDAI-sourced reference dataset (verify the current year's figure before buying).
Retirement Corpus NeededThe foundational retirement number: the corpus required at retirement to fund inflation-adjusted monthly expenses for the rest of your life expectancy.
Safe Withdrawal RateHow much of a retirement corpus can be sustainably withdrawn each year for a given payout horizon (a 4%-rule-style calculation using your own return/inflation assumptions).
Annuity Purchase CalculatorEstimates the periodic payout from annuitizing a corpus, or (in reverse) the corpus required to fund a desired payout -- relevant at NPS/pension-scheme exit.
EPS Pension EstimatorEstimated monthly pension at age 58 under the Employees' Pension Scheme, using EPFO's Pensionable Salary x Pensionable Service / 70 formula and the published EPS wage ceiling.
Term Cover Need — Human Life ValueRecommended term-insurance sum assured via the Human Life Value method: the present value of future net income the family would lose, plus liabilities, less existing cover and assets.
Term Cover Need — Income ReplacementSimpler, faster alternative to the Human Life Value method: an inflation-adjusted, undiscounted income-shortfall sum assured.

Real Estate(7)

Rental YieldCalculate gross and net rental yield
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Rent vs BuyCompare renting vs buying property over loan tenure
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TDS on Property Purchase (194-IA)1% TDS on property purchases above ₹50 lakh
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Capital Gains on Property SaleLTCG at 12.5% (no indexation) vs 20% (with indexation, pre-Jul-2024 purchases) with 54/54F exemption
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Cap Rate CalculatorCapitalization rate for commercial real estate: net operating income over property market value, with a city-tier benchmark comparison
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Circle Rate vs Market ValueCompares a property's government circle rate value against the agreed market price and flags Section 43CA/56(2)(x) tax exposure if the price is below the circle rate beyond the 10% safe harbour
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RERA Carpet Area vs Super Built-upConverts a quoted super-built-up price into the real RERA carpet-area price, for comparing projects on a like-for-like basis
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Trading(2)

Position SizingCalculate position size based on risk
Risk/RewardCalculate risk to reward ratio for trades

Utility(5)

Compound InterestCalculate compound interest
Simple InterestCalculate simple interest
Credit Card EMICompare credit card EMI vs full payment
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BMI & Healthy Weight CalculatorBody Mass Index, WHO weight category, and the healthy weight range for your height. Medical disclaimer required: this is a general, non-diagnostic estimate -- see the disclaimer output.
BMR & Daily Calorie CalculatorBasal Metabolic Rate (Mifflin-St Jeor) and a daily calorie target for maintaining, losing, or gaining weight. Medical disclaimer required: this is a general, non-diagnostic estimate -- see the disclaimer output.

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