Financial Calculators
EMI, SIP, mutual funds, fixed deposits, compound interest, retirement planning — make money decisions with confidence.
Financial calculators that handle the math behind real Indian money decisions — home loans, mutual fund SIPs, retirement planning, debt payoff. Every calculator here uses the exact formula your bank or AMC uses, so the numbers you see match the numbers on your statement.
Financial
EMI
Calculate the equated monthly installment (EMI) for any loan — home, car, or personal — with complete amortization breakdown.
Open calculatorSIP
Calculate the future value of your monthly Systematic Investment Plan (SIP) in mutual funds. See total invested, gains, and final corpus.
Open calculatorCompound Interest
Calculate compound interest on any investment with flexible compounding frequency — monthly, quarterly, or annually.
Open calculatorRent vs Buy
Compare the long-term cost of buying a home versus renting and investing the difference. Models EMIs, appreciation, and alternate investment returns.
Open calculatorFixed Deposit
Calculate the maturity amount of your fixed deposit with quarterly compounding (standard for Indian banks).
Open calculatorHouse Affordability
Find the maximum home price you can afford based on your income, existing EMIs, and down payment using bank-style FOIR rules.
Open calculatorGoal SIP
Calculate the monthly SIP needed to reach a financial goal — child's education, house down payment, retirement — with optional inflation adjustment.
Open calculatorPPF
Project the maturity value of a Public Provident Fund (PPF) account over its 15-year term, with annual deposits and quarterly-notified compounding.
Open calculatorHome Loan Prepayment
Calculate the interest saved by making a lump-sum prepayment on your home loan. Compare tenure-reduction vs EMI-reduction options.
Open calculatorCredit Card Payoff
See how long it takes to clear your credit card debt at any monthly payment, and how much interest you'll pay along the way.
Open calculatorEPF
Estimate your EPF corpus at retirement — includes 12% employee + 8.33% employer match, annual increments, and the current 8.25% interest rate.
Open calculatorSSY
Calculate Sukanya Samriddhi Yojana (SSY) maturity — a government-backed girl-child scheme at 8.2%, with 15 years of deposits and 21-year maturity.
Open calculatorRetirement Withdrawal
How long will your retirement corpus last? Given monthly withdrawal, return rate, and inflation — plus the safe withdrawal rate that lasts indefinitely.
Open calculatorStep-up SIP
Step-up SIP grows your monthly contribution by a fixed percentage each year. Compare against a flat SIP to see how much extra corpus you build over time.
Open calculatorNPS vs PPF
Compare expected maturity from NPS Tier 1 and PPF for the same annual contribution and tenure. Factors NPS's mandatory 40% annuity treatment.
Open calculatorSalary Hike
Calculate your real take-home increase after a salary hike, factoring tax slabs, surcharge tiers, and 87A rebate cliffs across both old and new regimes.
Open calculatorSimple Interest Calculator
Calculate simple interest on a loan or deposit. Quickly find interest payable, total amount, and time required.
Open calculatorNPS
Project your NPS corpus at retirement plus the monthly pension after the mandatory 40% annuity purchase. 60% of corpus is tax-free lump sum at age 60.
Open calculatorRefinance
Calculate net interest saved by refinancing your home loan to a lower rate, after processing fees and any foreclosure penalty.
Open calculatorLoan Eligibility
Find out the maximum home loan you can get based on your monthly income, existing obligations, and loan tenure.
Open calculatorRetirement
Find out how much you need to retire comfortably and the monthly investment required to build that corpus, accounting for inflation.
Open calculatorMF Returns
Estimate the future value of a one-time mutual fund investment with compound growth. Useful for projecting equity, debt, or hybrid fund returns.
Open calculatorEmergency Fund
Calculate the right emergency fund for your situation — typically 3-6 months of essential expenses — and how long it'll take to fully fund.
Open calculatorEducation Loan
Calculate education loan EMI factoring the moratorium period during which interest accrues and capitalises into the principal. Includes Section 80E tax benefit.
Open calculatorSCSS
Calculate quarterly interest and total returns from the Senior Citizens Savings Scheme — 8.2% guaranteed, 5-year tenure, ₹30 lakh maximum.
Open calculatorLAP
Calculate EMI, total interest, and maximum loan against your property at 60-70% LTV. Includes FOIR-based eligibility check.
Open calculatorRD
Calculate the maturity value of your monthly recurring deposit with quarterly compounding — RBI-aligned formula, total interest, and tax impact at your slab.
Open calculatorGratuity
Calculate gratuity payable to an employee under the Payment of Gratuity Act, 1972, based on last-drawn basic salary and years of completed service.
Open calculatorNet Worth
Calculate your total net worth — assets minus liabilities — and see your asset-to-liability ratio. Track quarterly to spot lifestyle creep early.
Open calculatorVPF
See how much extra retirement corpus you build by contributing to VPF above the mandatory 12% EPF. Same 8.25% rate as EPF, fully tax-free.
Open calculatorDebt Payoff
Compare avalanche (highest APR first) and snowball (smallest balance first) methods for paying off multiple debts. Months and interest saved by each.
Open calculatorPOMIS
Calculate monthly income from POMIS — 7.4% p.a. paid monthly, 5-year tenure, up to ₹9 lakh single / ₹15 lakh joint. Guaranteed-income post office scheme.
Open calculatorCar Loan
Calculate your car loan EMI, total interest, and total amount payable. Compare different tenures and rates.
Open calculatorXIRR
Calculate XIRR — annualised return on irregular investments and withdrawals. The standard metric for evaluating SIP returns and other timed cash flows.
Open calculatorRBI Bonds
Calculate half-yearly interest from RBI Floating Rate Savings Bonds — currently 8.05% (NSC + 35 bps), 7-year tenure, no upper limit. Sovereign-backed.
Open calculatorLumpsum
Calculate the future value of a one-time investment with compound returns. Compare against SIP for the same goal.
Open calculatorPersonal Loan
Calculate EMI for a personal loan with flexible loan amounts and tenures. See total interest, repayment schedule, and the true cost of borrowing in India.
Open calculatorSWP
Calculate how long a mutual fund corpus lasts under a Systematic Withdrawal Plan (SWP) — fixed monthly withdrawals while the remainder keeps growing.
Open calculatorCar vs Cab
Compare the true monthly cost of car ownership (EMI, fuel, insurance, depreciation) against using cabs and occasional rentals.
Open calculatorAPY
Calculate the monthly APY contribution for your chosen pension (₹1K-₹5K) and entry age. Guaranteed pension from 60 under PFRDA.
Open calculatorNSC
Calculate NSC maturity — a 5-year Post Office fixed-return scheme at 7.7%, with tax deduction under Section 80C and reinvested interest qualifying too.
Open calculatorMahila Samman
Calculate maturity for the women-only 2-year MSSC scheme at 7.5% quarterly-compounded. Maximum ₹2 lakh per person. Deposit deadline 31 March 2025.
Open calculatorInflation Calculator
Find out the future value of money after accounting for inflation, or what something used to cost in today's money.
Open calculatorKVP
Calculate the maturity amount and time-to-double of a Kisan Vikas Patra investment. Currently doubles in 115 months (9 years 7 months) at 7.5% per year.
Open calculatorWhat you can calculate here
Loan and EMI calculations — home loan, car loan, personal loan, education loan, loan against property — all using the standard reducing-balance formula. We also model home loan prepayment savings, mortgage refinance economics, and credit card payoff timelines so you can plan around debt rather than just being trapped by it.
Investment planning — SIP, lump sum, step-up SIP, goal-based SIP, compound interest, fixed deposit, recurring deposit, mutual fund returns, XIRR, retirement corpus, retirement monthly withdrawal sustainability. Each calculator handles Indian-specific rules like quarterly FD compounding and the post-July 2024 capital gains regime.
Big life decisions — rent vs buy, house affordability (FOIR-based), net worth tracking, emergency fund sizing, NPS vs PPF comparison, salary hike take-home impact. These are the calculators most personal-finance content tells you to use, but rarely shows you the actual math.
How these compare to other tools
Most Indian calculator sites give you EMI and stop. We model the full picture — opportunity cost on down payment, inflation adjustment, tax treatment, loss carry-forward rules. The math is identical to what a CA would use, just instant and free.
Every calculator on this page also runs in 'compare two scenarios' mode — useful for testing 15-year vs 20-year tenure, or 9% vs 9.5% rate, side by side. No competitor offers this consistently across 90+ calculators.
Frequently asked questions
Are these calculators accurate for Indian banks?
Yes. Every loan calculator uses the reducing-balance EMI formula that all major Indian banks (SBI, HDFC, ICICI, Axis, etc.) use. Investment calculators use standard time-value-of-money formulas. The numbers should match your bank statement within ₹50-100; larger differences usually indicate fees, GST on charges, or floating-rate resets that calculators don't auto-detect.
Do you store the numbers I enter?
No. Every calculation runs entirely in your browser. We don't send the numbers to any server, don't log them, don't sell them. The site only loads anonymous Google Analytics for pageview tracking — your actual calculations are invisible to us.
Which calculator should I start with?
If you're planning to buy a home: start with house-affordability, then EMI, then home-loan-prepayment. If you're investing: SIP for monthly contributions, goal-SIP to work backwards from a target. If you're managing debt: credit-card-payoff and debt-payoff. The most popular calculators are EMI, SIP, and compound interest.
Are the calculators updated for FY 2024-25 / FY 2025-26?
Yes. Income tax calculators use FY 2024-25 onward slabs (new regime + old regime). Capital gains uses post-July 2024 rates (12.5% LTCG without indexation on property/gold). FD rates auto-adjust to your input. PPF rate field accepts the current government-notified rate (revised quarterly).
Should I trust calculator output for actual decisions?
For order-of-magnitude planning — yes. For final tax filing or loan agreements — verify against the underlying authority (your bank's sanction letter, your CA's calculation, official tax tables). The calculator gives the right answer for the inputs you provide; real-world variations come from inputs you didn't account for.
Why do some calculators recommend 'old' or 'new' tax regime?
The income tax calculator computes both and recommends whichever gives lower tax for your specific income and deductions. Generally: under ₹15L without major deductions → new regime. Above ₹20L with full home loan + 80C + 80D → old regime. The cutoff depends on your specific deduction profile.
Related guides
How to Calculate EMI in India: A Complete Guide With Real Numbers
Every Indian who takes a home loan, car loan, or personal loan ends up with a single number on their payslip — the EMI. But almost no one knows how that number gets calculated, or that a small change in tenure or rate can swing the total interest you pay by lakhs of rupees. This guide walks through the exact math, with worked examples, so you can sanity-check any loan offer.
Read articleSIP vs Lump Sum: When Each One Actually Wins (With Numbers)
If you receive a sudden lump sum — bonus, inheritance, business sale — should you invest it all at once, or spread it across monthly SIPs? The honest answer depends on math (lump sum usually wins on expected return) and behaviour (SIPs often win on regret risk and discipline). Here is when each strategy is the right choice.
Read articleRent vs Buy in India: When Buying Actually Wins (Math, Not Tradition)
Indian society treats home ownership as universally correct — 'rent is throwing money away'. The math is more nuanced. Whether buying beats renting depends on your city's price-to-rent ratio, expected appreciation, alternate investment returns, and how long you plan to stay. In some Indian metros today, buying loses on pure financials. Here's how to figure out which side of the line you're on.
Read articleEmergency Fund: 3, 6, or 12 Months — How Much Do You Really Need?
Every personal-finance article tells you to build an emergency fund. Almost none give an honest answer to the size question — 3 months, 6 months, or 12 months of expenses? The right number depends on income stability, dependents, insurance coverage, and access to credit. Here's how to land on your specific number, and where to actually park it.
Read articleNPS vs PPF: A 30-Year Side-by-Side Comparison (and Why You Should Use Both)
PPF and NPS are India's two big long-term tax-advantaged retirement instruments. Most articles ask 'which is better?' — but the right answer for most savers is 'both, up to the deduction caps'. Here's how the two compare on returns, taxation, and lock-in, and when you should actually pick one over the other.
Read articleExplore other categories from Calculatorist's home page, or jump straight to one of the most popular calculators below.