Finance Calculators
Loans, investments, taxes, and money · 37 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).
Tip Calculator
Split a restaurant bill fairly with tip — get tip amount, total, and per-person share for any group size.
In-Hand Salary Calculator
Turn a CTC offer into the amount that actually reaches your bank account — PF, professional tax by state, and income tax under both regimes, for FY 2025-26 (AY 2026-27).
Old vs New Tax Regime Calculator
Which regime leaves you with more money, for FY 2025-26 (AY 2026-27) — with the break-even deduction figure that decides it.
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.
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.
EMI Prepayment Calculator
See exactly how much interest a part-prepayment saves you and how many months it cuts off your loan — for extra monthly payments, a yearly lump sum, or both.
Step-Up SIP Calculator
Increase your SIP by a fixed percentage every year and see what that does to your corpus — the top-up SIP maths that a flat SIP calculator cannot show.
XIRR Calculator
Work out the true annualised return on a SIP, where every instalment was invested for a different length of time — and see why the simpler CAGR number overstates it.
Gratuity Calculator
Work out your gratuity under the Payment of Gratuity Act — the 15/26 formula, the five-year rule, and how much of it is tax-free.
HRA Exemption Calculator
How much of your House Rent Allowance is actually tax-free under Section 10(13A) — the three-way minimum, and why metro status changes the answer.
Leave Encashment Calculator
What your unused earned leave is worth when you resign or retire, and how much of that payout escapes tax.
Notice Period Buyout Calculator
What it costs to leave early — the buyout amount for unserved notice days, and what your new employer would need to reimburse.
Loan Against Property Calculator
How much you can borrow against a property you already own, what the EMI works out to, and what the whole thing costs in interest over the tenure.
Home Loan Balance Transfer Calculator
Whether switching your home loan to a cheaper lender is actually worth it once the processing fee, legal charges and valuation are counted.
Home Loan Tax Benefit Calculator
What your home loan actually saves you in tax under Section 24(b) and 80C — and why the answer is zero on the new regime (FY 2025-26 (AY 2026-27)).
Rent vs Buy Calculator
Compares your net worth after N years if you buy against if you rent and invest the difference — the only comparison that actually answers the question.
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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.