Finance Calculators
Loans, investments, taxes, and money · 35 free tools
Free Finance Calculators for India
15+ free finance calculators for Indian users: EMI, SIP, lumpsum, GST, HRA, PPF, NPS, income tax (old and new regime), mortgage and home loan affordability. No signup, no downloads, runs in your browser. Use these to plan loans, compare investments, work out monthly EMIs in rupees and check tax saving options under Section 80C before you commit to a financial decision.
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Currency Converter
Convert between 30 major world currencies instantly with reference rates — see the converted amount, exchange rate, and inverse rate.
EMI Calculator
Calculate Equated Monthly Instalments for home, personal, car, and education loans — with interest split and total payable.
SIP Calculator
Project the future value of a Systematic Investment Plan — see how a fixed monthly contribution compounds over years.
Compound Interest Calculator
See how a one-time principal grows under compound interest at any rate, tenure, and compounding frequency (daily, monthly, quarterly, yearly).
Mortgage Calculator
Calculate monthly mortgage payments — principal and interest split, total interest paid, and full payment schedule.
Tip Calculator
Split a restaurant bill fairly with tip — get tip amount, total, and per-person share for any group size.
Paycheck Calculator
Estimate your take-home pay per paycheck after 2026 federal income tax, Social Security, Medicare, state tax, and pre-tax deductions.
Federal Income Tax Calculator
Estimate your 2026 federal income tax, marginal and effective rates, and see exactly how much of your income falls in each bracket.
All Finance Calculators
Loan Eligibility Calculator
Find out how much loan you can qualify for.
Income Tax Calculator
Estimate your Indian income tax under the new and old regimes for FY 2025-26 (AY 2026-27).
Retirement Calculator
Plan how much you need to retire comfortably.
Fixed Deposit Calculator
Calculate maturity value of fixed deposits.
Recurring Deposit Calculator
Calculate returns on monthly recurring deposits.
Mutual Fund Returns
Calculate returns on lump sum MF investments.
Stock Profit/Loss
Calculate gains or losses on stock trades.
Dividend Yield Calculator
Calculate annual dividend yield on a stock.
Credit Card Interest
How much credit card interest will cost you.
Debt Payoff Calculator
Plan when you will be debt-free.
Net Worth Calculator
Calculate your total net worth.
Salary to Hourly
Convert annual salary to hourly rate.
GST Calculator
Calculate GST inclusive & exclusive amounts.
PPF Calculator
Calculate Public Provident Fund maturity.
NPS Calculator
Plan your National Pension Scheme returns.
Lumpsum Calculator
Project the future value of a one-time mutual fund or equity lumpsum investment.
HRA Calculator
Calculate exempt and taxable HRA under Section 10(13A) — old regime tax saving on house rent.
CIBIL Score Estimator
Estimate where your CIBIL score sits based on credit habits — utilisation, payment history, account age, and inquiries.
Capital Gains Tax Calculator
Estimate 2026 federal tax on a stock, crypto, or property sale — short-term gains at ordinary rates vs long-term gains at 0%, 15%, or 20%.
Sales Tax Calculator
Add sales tax to a pre-tax price or extract the tax from a receipt total using 2026 state base rates for all 50 states plus DC — or any custom rate.
Auto Loan Calculator
Estimate your monthly car payment, total interest, and full amortization schedule from vehicle price, down payment, trade-in, sales tax, APR, and term.
Student Loan Calculator
Find your monthly student loan payment, total interest, and how much faster you pay off the loan — and how much interest you save — with extra monthly payments.
House Affordability Calculator
See how much house you can afford using the 28/36 rule — factoring in income, debts, down payment, mortgage rate, property tax, insurance, and HOA dues.
Inflation Calculator
See what an amount of money is worth across time at a chosen average annual inflation rate — project forward to 2076 or look back to 1950.
401(k) Calculator
Project your 401(k) balance at retirement with employer matching, salary growth, and 2026 IRS contribution limits applied year by year.
Roth IRA Calculator
Estimate your tax-free Roth IRA balance at retirement using 2026 contribution limits, your timeline, and expected investment returns.
Social Security Calculator
A simplified estimate of your monthly Social Security retirement benefit from career-average earnings and claiming age — not an official SSA projection.
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How to Use These Finance Calculators
Most Indian money decisions come down to three numbers: monthly cash outflow, total interest or tax paid, and the final maturity value. These calculators help you check those numbers in seconds before you sign a loan paper or pick a mutual fund.
Tips for Accurate Results
For EMI calculations, enter the loan amount in rupees, the annual interest rate (not monthly), and the tenure in months. A Rs 50 lakh home loan at 8.5 percent for 20 years comes to roughly Rs 43,391 per month. Small rate changes matter: even a 0.5 percent jump on the same loan adds about Rs 1.5 lakh in total interest.
For SIP and lumpsum, pick a realistic expected return. Indian equity mutual funds have historically delivered around 11 to 13 percent over long periods, but past returns do not guarantee future ones. For PPF use the current rate published by the Ministry of Finance (revised quarterly).
For income tax, compare the old regime (with Section 80C, 80D, HRA, home loan interest deductions) against the new regime (lower slabs but fewer deductions). The right choice depends on your investments and rent.
Real-World Example
Priya from Pune earns Rs 12 lakh per year. She uses the HRA calculator to check her exemption (she pays Rs 22,000 monthly rent), the SIP calculator to plan Rs 10,000 per month for 15 years toward her child's college fund, and the income tax calculator to compare both regimes. Old regime saves her around Rs 28,000 after factoring in PPF, ELSS and HRA. She also runs the EMI calculator before booking a Rs 35 lakh flat to confirm the EMI fits her monthly budget.
Accuracy and Limitations
Results are estimates based on the inputs you provide. Actual loan EMIs, GST liability and tax outgo can differ slightly due to processing fees, cess, surcharge and bank-specific charges. Always cross-check with your bank, CA or a SEBI-registered advisor before final commitments. These tools are educational and do not replace personal financial advice.