Standard formulas
Compound interest, annuity formulas for SIP and EMI, and reducing-balance loan schedules. Each calculator page shows the formula it uses.
Financial calculators for India.
Free EMI, SIP, FD, PPF, income tax and retirement calculators built around Indian rules and rupee amounts. Calculate first, then decide with context.
Every result shows its formula and assumptions, and remains an educational estimate rather than financial advice.
Results are estimates for learning and planning only. Tax rules, interest rates and scheme terms change from time to time, and your actual figures may differ. Please talk to a qualified financial advisor or chartered accountant before making any financial decision.
Investment and deposit calculators
SIP, lump sum, SWP, FD, RD and interest calculators for estimating how savings and investments grow over time.
SIP Calculator
Estimate regular and annual step-up SIP contributions, nominal growth and today’s purchasing power.
Open calculatorLump Sum Calculator
Project a one-time investment with nominal and inflation-adjusted outcomes.
Open calculatorSWP Calculator
Model systematic withdrawals, annual withdrawal increases and estimated corpus sustainability.
Open calculatorROI Calculator
See total return, gain and annualised return from what you invested and what it is worth now.
Open calculatorSimple Interest Calculator
Calculate interest that accrues only on the original principal.
Open calculatorCompound Interest Calculator
See how interest-on-interest changes future value and real purchasing power.
Open calculatorFixed Deposit Calculator
Estimate quarterly compounded fixed-deposit maturity, gain and real value.
Open calculatorRecurring Deposit Calculator
Estimate recurring-deposit contributions, interest and maturity.
Open calculatorLoan and EMI calculators
Monthly EMI, total interest and repayment schedules for home, car, personal and other loans, plus flat vs reducing rates.
EMI Calculator
Calculate the monthly EMI, total interest and total repayment for any reducing-balance loan.
Open calculatorHome Loan EMI Calculator
Plan a long-tenure home loan EMI and see how step-ups, extra EMIs and prepayments can shorten a 20-year term.
Open calculatorCar Loan EMI Calculator
Work out a car loan EMI over a typical five-year term and the total interest paid on the vehicle.
Open calculatorPersonal Loan EMI Calculator
Check the EMI and total interest cost of a short-tenure personal loan before you borrow.
Open calculatorFlat vs Reducing Rate Calculator
Compare a quoted flat-rate loan with a reducing-balance loan on total cost.
Open calculatorFinancial planning calculators
Inflation, retirement and emergency fund calculators for setting targets in today's and tomorrow's rupees.
Inflation Calculator
Estimate future cost and the erosion of purchasing power.
Open calculatorRetirement Calculator
Estimate future monthly expenses and a conservative retirement corpus.
Open calculatorEmergency Fund Calculator
Calculate a liquid savings target and remaining funding gap.
Open calculatorGovernment savings scheme calculators
PPF, EPF, NPS, NSC, Sukanya Samriddhi, SCSS, Atal Pension Yojana and gratuity estimates based on published scheme rules.
Sukanya Samriddhi Calculator
Illustrate eligible annual contributions and maturity under editable scheme assumptions.
Open calculatorPPF Calculator
Illustrate annual PPF contributions, notified-rate assumptions and real maturity value.
Open calculatorEPF Calculator
Estimate employee and employer provident-fund contributions and illustrative growth.
Open calculatorNPS Calculator
Project retirement contributions and an illustrative NPS corpus in nominal and real terms.
Open calculatorNSC Calculator
Estimate National Savings Certificate maturity under an editable notified-rate assumption.
Open calculatorAtal Pension Yojana Calculator
Illustrate contributions and selected guaranteed-pension tier without implying eligibility.
Open calculatorSCSS Calculator
Estimate Senior Citizens’ Savings Scheme interest and maturity under current assumptions.
Open calculatorGratuity Calculator
Estimate gratuity using last drawn eligible salary and completed service.
Open calculatorTax and salary calculators
Income tax, GST, TDS and take-home salary estimates, with the simplifications each one makes stated on its page.
Income Tax Calculator
Compare FY 2026-27 old and new regime tax for a resident salaried individual.
Open calculatorGST Calculator
Calculate GST-exclusive and GST-inclusive invoice values.
Open calculatorTDS Calculator
Estimate common non-salary TDS using a payment-type rate and threshold.
Open calculatorTake-Home Salary Calculator
Estimate salary take-home after EPF, professional tax and comparative income tax.
Open calculatorStock market calculators
CAGR, stock average and brokerage calculators for checking returns and trading costs.
Stock Average Calculator
Calculate the weighted average price after buying a stock at two prices.
Open calculatorCAGR Calculator
Work out the compound annual growth rate between a starting and final value.
Open calculatorBrokerage Calculator
Estimate trading turnover, brokerage, statutory charges and net profit or loss.
Open calculatorHow these calculators work.
31 calculators share the same approach: a stated formula, inputs you control and a result labelled as an estimate.
Visible assumptions
Expected returns, inflation and interest rates are inputs you can change. Defaults are illustrative starting points, not forecasts.
Current rules, dated
Tax and government scheme calculators state the rule year they follow. Scheme rates are revised periodically, so check the latest notified rate.
Private by default
Calculations run in your browser. The calculators do not ask for your name, phone number or account details.
Questions about the calculators.
Are these financial calculators free?
Yes. Every calculator is free to use with no sign-up, and you can change any input as often as you like.
How accurate are the results?
The arithmetic is exact for the inputs and formula shown, but the result is only as good as the assumptions. Market returns vary, rates change and taxes have conditions a calculator cannot see, so treat every figure as an estimate.
How is a loan EMI calculated?
EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where P is the loan amount, r the monthly interest rate and n the number of monthly instalments. The EMI calculators also show total interest and how each payment splits between interest and principal.
What is the difference between the SIP and lump sum calculators?
A SIP calculator compounds a series of regular monthly investments, while a lump sum calculator compounds a single amount invested once. The SIP calculator can also add an annual step-up and show the result in today's purchasing power.
Is this financial advice?
No. The calculators are educational tools. For decisions about specific products, taxes or your full financial situation, speak to a qualified, registered adviser or tax professional.
Which calculator should I start with?
If you are planning from scratch, start with the emergency fund calculator, then the SIP or retirement calculator for long-term goals. If you are comparing loans, use the EMI and flat vs reducing rate calculators together.
Guides to go with the numbers
- SIP calculator guideHow much to invest each month for a goal.
- Emergency fund guideHow much to keep aside, and where.
- Retirement planning in IndiaEstimate your corpus and monthly investment.
- Create a personal financial planPut the numbers together step by step.
Want your monthly budget planned on your phone instead? YojIQ is our offline Android money planner that shows what you can spend until payday.