Financial calculators for India
Every calculator here is set up for India: amounts in rupees with lakh and crore, EMIs on a reducing balance, RBI loan-to-value limits, FOIR, GST on processing fees and the Income-tax Act, 2025. They run in your browser and store nothing you type.
Quick answers
Ready-made tables for the questions Indians search most.
Home loan EMI by amount
EMIs for ₹10 lakh to ₹1 crore at every common rate and tenure, with the salary needed.
Income tax by salary
Tax on ₹5 lakh to ₹50 lakh salaries for 2026-27, new vs old regime, with take-home pay.
In-hand salary by CTC
Monthly take-home pay on ₹5 lakh to ₹50 lakh CTCs for 2026-27, with the salary breakup and PF options.
SIP returns by amount
What ₹500 to ₹50,000 a month could grow to over 5 to 30 years, with step-up and the time to ₹1 crore.
Loans & EMI
EMIs, processing fees with GST, flat versus reducing rates, FOIR and getting out of debt.
EMI Calculator
The EMI on any loan, with total interest, the flat-rate equivalent and an EMI-by-EMI schedule.
Car Loan EMI Calculator
Car loan EMI from the ex-showroom price, down payment and exchange value, for tenures up to 84 months.
Personal Loan EMI Calculator
Personal loan EMI and the true cost once the processing fee and 18% GST are counted.
Loan Comparison Calculator (India)
Compare two loan offers by EMI, tenure, processing fee with GST and total cost.
Credit Card Interest & Payoff Calculator
How long your card outstanding takes to clear, and what paying only the minimum amount due costs.
Debt Payoff Calculator (India)
A plan to clear several loans and cards, with the avalanche and snowball methods compared.
FOIR Calculator
Your fixed obligation to income ratio, and how a lender is likely to read it.
Home loans & property
Home loan EMI and eligibility, prepayment, balance transfer, RBI loan-to-value limits and rental property.
Home Loan EMI Calculator
Your monthly home loan EMI with property tax, maintenance, part-prepayments and a full EMI schedule.
Home Loan Eligibility Calculator
How big a home loan you could get from your take-home pay and EMIs, using FOIR and RBI loan-to-value limits.
Home Loan Prepayment Calculator
The interest and years you save with monthly or one-off part-prepayments on your home loan.
Home Loan Balance Transfer Calculator
Whether moving your home loan to a lower rate pays off after the processing fee and charges.
Home Loan LTV Calculator
Your loan-to-value ratio and equity, checked against the RBI caps of 90%, 80% and 75%.
Rent vs Buy Calculator (India)
Compare buying a flat with a home loan against renting and investing the difference.
Rental Property Investment Calculator
Cash flow after EMIs, rental yield and long-run return on a flat or house you let out.
Rental Yield Calculator (India)
Gross and net rental yield of a flat or house after maintenance, property tax and vacancy.
Salary, PF & retirement
In-hand salary from CTC, HRA exemption, EPF, gratuity and NPS.
In-Hand Salary Calculator (CTC to Take-Home)
Monthly take-home pay from your CTC after PF, professional tax and income tax, under the new or old regime.
HRA Calculator (HRA Exemption)
How much of your house rent allowance is tax-free under the old regime, with the 50% limit now in eight cities and the rent that makes all of it exempt.
EPF Calculator (Provident Fund)
Your EPF balance at 58 from your basic pay + DA, with the employer’s share after EPS, pay rises and the 8.25% EPFO rate.
Gratuity Calculator
Gratuity on leaving a job under the new labour code, from your last basic + DA and years of service, with eligibility and the tax-free part.
NPS Calculator (National Pension System)
Your NPS corpus at 60, the lump sum you can take under the new 80% rule and the monthly pension the annuity could pay.
Savings & investing
SIP, FD, RD and PPF, compounding, savings goals, retirement corpus and inflation in today's rupees.
SIP Calculator
What a monthly SIP or a lump sum could grow to, with yearly step-ups and the value in today’s rupees.
FD Calculator (Fixed Deposit)
Fixed deposit maturity value and interest, with quarterly compounding, payout options and tax.
RD Calculator (Recurring Deposit)
Recurring deposit maturity value and interest for any monthly amount and tenure.
PPF Calculator
PPF maturity value at the current 7.1% rate, with deposit timing and 5-year extensions.
Sukanya Samriddhi Yojana Calculator (SSY)
SSY maturity value for your daughter at the current rate, with 15 years of deposits and maturity 21 years after opening.
Lumpsum Calculator (One-Time Investment)
What a one-time mutual fund investment could grow to, and how it compares with the same money invested by SIP.
SWP Calculator (Systematic Withdrawal Plan)
How long a mutual fund corpus lasts with monthly withdrawals, and what is left at the end.
NSC Calculator (National Savings Certificate)
NSC maturity value after 5 years at the current rate, with the interest you can claim under the old regime.
KVP Calculator (Kisan Vikas Patra)
How long Kisan Vikas Patra takes to double your money at the current rate, and what it pays if you exit early.
Post Office Monthly Income Scheme Calculator
The monthly income from a Post Office MIS deposit at the current rate, for single and joint accounts.
Senior Citizen Savings Scheme Calculator (SCSS)
The quarterly interest and total return from SCSS at the current rate, with deposit limits and tax.
CAGR Calculator (Compound Annual Growth Rate)
The yearly growth rate between two values, what it means, and how it compares with absolute return.
Compound Interest Calculator (India)
Growth of a lump sum and a monthly SIP or RD, with quarterly compounding like bank FDs.
Savings Goal Calculator (India)
The monthly deposit you need to reach a target, or how long your savings will take.
Retirement Corpus Calculator
How big your retirement corpus could be, how long it lasts and how much more to save.
Simple Interest Calculator (India)
Simple interest from principal, rate and time, compared with quarterly compounding.
Inflation Calculator (India)
What today's rupees will be worth in future, or what a future sum is worth today.
Income tax & GST
Income tax under the new and old regimes, GST under the 2025 rates, interest on late GST and tax on gifts.
Income Tax Calculator 2026-27 (New vs Old Regime)
Your tax for 2026-27 under the new and old regimes side by side, with the ₹12 lakh rebate.
GST Calculator (India)
Add or remove GST at 5%, 18%, 40% or any rate, with the CGST, SGST and IGST split.
GST Interest Calculator (Late Payment)
Interest on late GST payment at 18% a year, or 24% on excess input tax credit.
Gift Tax Calculator (India)
Check whether a gift is taxable under the ₹50,000 rule and see the tax at your slab rate.
Guides for India
The thinking behind the numbers: tax regimes, interest rates, prepayment and where to save.
Flat vs Reducing Interest Rate: What Your Loan Really Costs
Flat vs reducing interest rate, explained with both EMI formulas, a ₹5 lakh worked example and a table converting flat rates into reducing rates.
Home Loan Prepayment: Reduce EMI or Tenure?
Should a home loan prepayment reduce your EMI or tenure? A ₹50 lakh worked example shows what each option saves in interest, and when not to prepay.
New vs Old Tax Regime 2026-27: Which Should You Choose?
New vs old tax regime for 2026-27 compared: slabs, the ₹12 lakh rebate, which deductions still count, and the break-even at common salaries.
PPF vs FD vs SIP: Which Is Better for You?
PPF vs FD vs SIP compared on returns, safety, lock-in and tax, with the same ₹1.5 lakh a year put into each for 15 years.
Outside India? The full set of calculators works in nine currencies. Missing an Indian calculator you need? Tell us.