💰India Finance Calculators
37 free calculators built on FY 2025-26 rules, organised by what you are trying to figure out — every formula cited to its official source and reviewed on a dated schedule.
Taxes
Income tax under both regimes, GST, HRA exemption and capital gains — computed with FY 2025-26 slabs and rules from the Income Tax Department.
Income Tax Calculator
Calculate income tax under new and old regime for FY 2025-26. Updated for IT Act 2025. Zero tax up to ₹12L income. Instant comparison with monthly TDS.
HRA Exemption Calculator
Calculate your exact HRA tax exemption under section 10(13A): least of actual HRA, rent minus 10% of salary, and 50%/40% of salary. Metro and non-metro. Free.
Capital Gains Tax Calculator
Calculate LTCG and STCG tax on shares, mutual funds and property with current rules: 12.5% LTCG, ₹1.25L exemption, 20% indexation option for old property. Free.
GST Calculator
Free GST calculator for India. Add or remove GST at 5%, 12%, 18%, 28%. Shows CGST, SGST, IGST split. Instant calculation for businesses and individuals.
Loans & Credit
EMIs, prepayment, refinancing and credit-card payoff — see the true cost of borrowing before you sign, and the fastest way out of debt you already have.
EMI Calculator
Calculate your exact monthly EMI instantly. Enter loan amount, rate & tenure. Get amortization table, total interest & AI insights. Free, no signup.
Loan Payoff Calculator
See how much you save by paying extra EMI or a lump sum. Shows months saved, interest saved, and new payoff date. Free early repayment calculator.
Mortgage Refinance Calculator
Calculate monthly savings and break-even period for refinancing your home loan. Shows total interest saved and when refinancing pays off. Free tool.
Credit Card Payoff Calculator
See exactly how long to pay off your credit card debt. Compare minimum payments vs paying more. Shows total interest cost and payoff date. Free calculator.
Simple Interest Calculator
Calculate simple interest instantly. Enter principal, rate, and time. Shows interest amount, total amount, and monthly equivalent. Free tool.
Investing
SIPs, lump sums, goals and return measurement — project wealth honestly with the same annuity math mutual funds use.
SIP Calculator
Calculate SIP returns instantly. See how monthly investments grow over time. Step-up SIP option. Shows maturity value, wealth gain and year-by-year chart.
Step-Up SIP Calculator
See how increasing your SIP 5–15% every year multiplies your corpus. Step-up vs flat SIP compared side by side, year-wise chart. Free, no signup.
Goal SIP Calculator
Work backwards from your target: the exact monthly SIP needed to reach ₹25L, ₹50L or ₹1 crore in your timeframe, counting existing savings. Free, instant.
Lumpsum Calculator
Calculate the future value of a one-time mutual fund or equity investment. Compare lumpsum vs SIP on the same money, see year-by-year growth. Free, no signup.
Compound Interest Calculator
Free compound interest calculator with monthly/yearly breakdown. Add regular deposits or withdrawals. Shows APY, time to double, and total returns.
CAGR Calculator
Calculate CAGR instantly. Find end value or years to reach target. Three calculation modes. Free compound annual growth rate calculator.
IRR Calculator
Calculate IRR using Newton-Raphson method for up to 20 cash flows. Also computes NPV at your discount rate and MIRR. Free IRR calculator.
Stock Average Calculator
Calculate average stock buy price across multiple purchases. Add up to 10 lots. Enter current price to see P&L percentage and total value. Free tool.
APY Calculator
Convert APR to APY instantly. Find effective annual yield for any compounding frequency. Reverse calculation also available. Free tool.
Savings Goal Calculator
Find how long to reach your savings goal, or how much to save monthly. Supports interest on savings. Month-by-month progress chart included.
Salary & Pay
From CTC to in-hand: what your offer letter really pays, what a raise is worth after tax, and the gratuity your service has earned.
CTC to In-Hand Calculator
Convert CTC to monthly take-home salary. Accounts for PF, gratuity, TDS, professional tax. New vs old regime comparison. Updated for FY 2025-26.
Gratuity Calculator
Calculate your gratuity with the 15/26 formula, the 6-month round-up rule and the ₹20 lakh tax-free limit. Covered and non-covered employees. Free, instant.
Pay Raise Calculator
Calculate your new salary after a pay raise by percentage or amount. Shows monthly increase, annual increase, and real raise after inflation. Free tool.
Salary to Hourly Converter
Convert annual salary to hourly rate instantly. Or convert hourly wage to annual salary. Also shows daily, weekly, monthly rates. Free bidirectional tool.
Overtime Calculator
Calculate total pay including overtime at 1.5x, 2x, or custom rate. Enter regular hours, overtime hours, and hourly rate. Free overtime pay calculator.
Retirement & Pension
EPF, NPS and the corpus question — how much you will have, how much you need, and how long a corpus lasts once withdrawals start.
EPF Calculator
Project your Employees’ Provident Fund corpus at retirement with the 8.25% EPFO rate, salary growth and VPF. See employee vs employer split and EPS diversion. Free.
NPS Calculator
Project your NPS corpus, tax-free lump sum and monthly pension at 60. Models the 40% annuity rule and the extra ₹50,000 80CCD(1B) deduction. Free, no signup.
Retirement Calculator
Calculate how much corpus you need for retirement. Shows gap between what you will have vs need, and monthly SIP required to close the gap.
SWP Calculator
Calculate how long your corpus lasts with monthly withdrawals. Shows balance chart and months until depletion. Free SWP calculator.
Drawdown Calculator
Find out how long your corpus will last with inflation-adjusted withdrawals. Shows balance chart and sustainable withdrawal amount. Free calculator.
Guides on retirement & pension
Small-Savings Schemes
Government-guaranteed savings — PPF, SSY, NSC, SCSS, KVP, Post Office MIS — plus bank FDs and RDs, at the current notified rates.
PPF Calculator
Calculate PPF maturity with current 7.1% rate. Shows year-by-year balance, partial withdrawal eligibility, and 80C tax benefit. Free calculator.
Sukanya Samriddhi Yojana Calculator
Calculate your daughter’s Sukanya Samriddhi Yojana maturity amount at the current 8.2% rate. Year-by-year growth, tax-free maturity, deposit rules. Free, no signup.
NSC Calculator
Calculate NSC maturity at the current 7.7% rate: 5-year lock-in, annual compounding, 80C benefit. Year-by-year growth and tax treatment explained. Free.
SCSS Calculator
Calculate quarterly income from the Senior Citizens’ Savings Scheme at 8.2%: payouts on up to ₹30 lakh, 5-year term, 80C benefit and TDS rules. Free.
KVP Calculator
Kisan Vikas Patra doubles your money in 115 months at the current 7.5% rate. Calculate maturity, doubling time and how KVP compares with NSC and FDs. Free.
Post Office MIS Calculator
Calculate your Post Office Monthly Income Scheme payout at 7.4%: monthly income on up to ₹9L (single) or ₹15L (joint), 5-year term, taxation. Free.
FD Calculator
Calculate FD maturity amount with quarterly compounding. Shows post-tax returns for 10%, 20%, 30% tax brackets. TDS auto-calculated. Free tool.
RD Calculator
Calculate recurring deposit maturity with quarterly compounding — bank and Post Office RD. Monthly deposit, tenure, interest earned, and RD vs FD comparison. Free.
Rate Tables
Maintained reference tables, each linked to the calculator that uses the rate.
Not sure where to start?
The three questions we answer most: what will my loan really cost, how much should my SIP be, and which tax regime saves me more.