50+ Free Financial Calculators India | SIP, Tax, Retirement, EMI

📈 Investment Calculators

Calculate returns, growth projections, and investment outcomes across different strategies.

📊

Compound Interest Calculator

Principal Amount ₹1,00,000

₹1K₹1Cr

Annual Interest Rate 8%

1%30%

Duration (Years) 10 Yrs

140

Compounding

Maturity Amount

₹2.16L

Principal

₹1.0L

Interest Earned

₹1.16L

📅 Get Investment Strategy

📈

CAGR Calculator

Initial Value

Final Value

Number of Years

CAGR

20.11%

Absolute Return

150%

Growth Multiple

2.5x

💰

Mutual Fund Return Calculator

Investment Amount ₹1,00,000

₹1K₹1Cr

Expected CAGR 12%

4%30%

Investment Period 10 Yrs

130

Expense Ratio (%) 1.0%

0%3%

Net Corpus

₹2.84L

Net Returns

184%

Expense Drag

-₹18K

📉

SWP Calculator (Systematic Withdrawal Plan)

Initial Corpus ₹50L

₹1L₹5Cr

Monthly Withdrawal ₹30,000

₹5K₹5L

Expected Return 8%

4%18%

Corpus Lasts

28 Yrs

Total Withdrawn

₹1.01Cr

Final Balance

₹12.4L

🎯

XIRR Calculator

Calculate XIRR for irregular cash flows (like SIPs with varying amounts).

Total Amount Invested

Current Portfolio Value

Investment Duration (Years)

Approximate XIRR

13.4%

Absolute Returns

64%

Annualised

13.4% p.a.

💹

Dividend Yield Calculator

Stock / NAV Price (₹)

Annual Dividend Per Share (₹)

Number of Shares / Units

Dividend Yield

5.00%

Annual Income

₹2,500

Investment Value

₹50,000

🔄

Dividend Reinvestment Calculator

Initial Investment ₹1,00,000

₹10K₹1Cr

Annual Dividend Yield 5%

1%15%

Price Appreciation 8%

0%20%

Years 15 Yrs

130

Corpus with DRIP

₹8.5L

Without DRIP

₹5.6L

DRIP Advantage

+₹2.9L

⚖️

Risk vs Return Calculator

Investment Amount ₹5,00,000

₹10K₹1Cr

Asset Type

Duration 10 Yrs

130

Expected Corpus

₹15.5L

Best Case (+20%)

₹18.6L

Worst Case (-20%)

₹12.4L

🥧

Asset Allocation Calculator

Your Age

Risk Appetite

Recommended Allocation

🏦 Loan & EMI Calculators

Calculate EMI, total interest, prepayment savings, and loan affordability for all types of loans.

📋

EMI Calculator

Loan Amount ₹10L

₹10K₹5Cr

Interest Rate (p.a.) 8.5%

5%24%

Tenure (Years) 10 Yrs

130

Monthly EMI

₹12,399

Principal

₹10.0L

Total Interest

₹4.88L

📅 Get Loan Advisory

🏠

Home Loan EMI Calculator

Home Loan Amount ₹50L

₹1L₹10Cr

Interest Rate 8.75%

6%15%

Loan Tenure 20 Yrs

530

Monthly EMI

₹44,050

Total Interest

₹55.7L

Total Payment

₹1.06Cr

🚗

Car Loan EMI Calculator

Car Loan Amount ₹8L

₹50K₹1Cr

Interest Rate 9.0%

7%18%

Tenure 5 Yrs

18

Monthly EMI

₹16,607

Total Interest

₹1.96L

Total Payment

₹9.96L

👤

Personal Loan EMI Calculator

Loan Amount ₹3L

₹10K₹50L

Interest Rate 12%

10%30%

Tenure 3 Yrs

17

Monthly EMI

₹9,964

Total Interest

₹58.7K

Total Payment

₹3.59L

📚

Education Loan Calculator

Loan Amount ₹12L

₹1L₹50L

Interest Rate 10.5%

7%15%

Repayment Tenure 7 Yrs

315

Monthly EMI

₹19,889

Total Interest

₹4.71L

Total Payment

₹16.71L

💼

Business Loan Calculator

Loan Amount ₹25L

₹1L₹5Cr

Interest Rate 14%

10%25%

Tenure 5 Yrs

110

Monthly EMI

₹58,142

Total Interest

₹9.89L

Total Payment

₹34.89L

⚡

Loan Prepayment Calculator

Outstanding Loan

Interest Rate (%)

Remaining Tenure (Years)

Prepayment Amount

Interest Saved

₹8.2L

Months Reduced

28 Mo

New Tenure

13 Yrs

✅

Loan Affordability Calculator

Monthly Income

Existing EMIs per Month

Interest Rate (%)

Tenure (Years)

Max Affordable Loan

₹38.5L

Max EMI (40%)

₹40,000

Available EMI

₹25,000

🔀

Debt Consolidation Calculator

Compare your existing EMIs vs a single consolidated loan.

Total Debt Amount

Avg. Current Rate (%)

Consolidation Rate (%)

Tenure (Years)

Monthly Savings

₹8,450

Old EMI

₹36,200

New EMI

₹27,750

💰 Tax Calculators

Optimise your tax outgo with India-specific calculators for income tax, capital gains, HRA, GST and more.

💼

Income Tax Calculator FY 2025-26

Annual Income

Regime

Tax Payable

₹1.00L

Effective Rate

8.3%

In-Hand (Monthly)

₹91,667

📅 Get Tax Planning Session

⚖️

Old vs New Tax Regime

Annual Gross Income

80C Investments

HRA Exemption

Other Deductions (NPS, 80D, etc.)

Better Regime

Old Regime

Old Tax

₹2.32L

New Tax

₹2.73L

🏠

HRA Exemption Calculator

Basic Salary (Annual)

HRA Received (Annual)

Rent Paid (Annual)

City

HRA Exemption

₹54,000

Taxable HRA

₹1.86L

Tax Saved (30%)

₹16,200

📊

Capital Gains Tax Calculator

Asset Type

Purchase Value

Sale Value

Holding Period (Years)

Tax Payable

₹50,000

Gain Type

LTCG

Net Profit

₹3.50L

🧾

GST Calculator

Amount

GST Rate

Calculation Type

Amount with GST

₹11,800

CGST

₹900

SGST/IGST

₹900

📑

TDS Calculator

Payment Type

Gross Payment Amount

PAN Available?

TDS Amount

₹10,000

TDS Rate

10%

Net Payment

₹90,000

📅

Advance Tax Calculator

Estimated Annual Income

TDS Already Deducted

Regime

Advance Tax Due

₹1.92L

🌅 Retirement Calculators

Plan your golden years with confidence — corpus, NPS, annuity, and pension calculators.

🌅

Retirement Calculator

Current Age 35

2060

Retirement Age 60

5075

Monthly Expenses Now ₹60,000

₹10K₹5L

Expected Returns 10%

6%18%

Corpus Required

₹5.2Cr

Monthly SIP

₹35,800

Years to Retire

25 Yrs

📅 Retirement Planning Session

📋

NPS Calculator

Monthly Contribution ₹10,000

₹500₹1L

Current Age 30

1860

Expected Return 10%

6%14%

NPS Corpus at 60

₹2.28Cr

Lump Sum (60%)

₹1.37Cr

Monthly Pension

₹38,000

💎

Annuity / Pension Calculator

Annuity Purchase Price

Annuity Rate (p.a. %)

Payout Frequency

Regular Payout

₹54,167/mo

Annual Income

₹6.50L

Effective Yield

6.5%

🏠 Real Estate Calculators

Make informed property decisions with affordability, ROI, rent vs buy, and mortgage calculators.

🏠

Home Affordability Calculator

Monthly Income

Down Payment Available

Loan Rate (%)

Tenure (Years)

Affordable Home Value

₹84L

Max Loan

₹64L

Max EMI

₹60,000

⚖️

Rent vs Buy Calculator

Property Value

Monthly Rent

Loan Rate (%)

Property Appreciation (%)

Recommendation

Buy

Buy Cost/Year

₹8.2L

Rent Cost/Year

₹3.0L

📊

Property Investment ROI Calculator

Property Purchase Price

Annual Rental Income

Annual Maintenance Cost

Holding Period (Years)

Rental Yield

4.0%

Net Annual Return

₹3.0L

10-Yr Total ROI

40%

💳

Mortgage Payment Calculator

Mortgage Amount ₹60L

₹5L₹10Cr

Interest Rate 8.75%

6%14%

Tenure 20 Yrs

530

Monthly Payment

₹52,860

Total Interest

₹66.9L

Total Payout

₹1.27Cr

🔁

Mortgage Refinance Calculator

Outstanding Loan Balance

Current Rate (%)

New Rate (%)

Remaining Tenure (Years)

Monthly Savings

₹3,140

Old EMI

₹41,900

New EMI

₹38,760

🏛️

Rental Yield Calculator

Property Value

Monthly Rent Received

Annual Maintenance (₹)

Net Rental Yield

3.9%

Gross Yield

4.4%

Net Income/Yr

₹2.34L

🛡️ Insurance Calculators

Determine the right coverage amounts for life, health, and disability insurance.

🛡️

Life Insurance Coverage Calculator

Annual Income

Outstanding Loans

Annual Family Expenses

Years of Coverage Needed

Recommended Cover

₹2.1Cr

Income Replacement

₹1.2Cr

Plus Debt Cover

₹30L

📅 Get Insurance Review

📋

Term Insurance Calculator

Sum Assured

Age

Policy Term (Years)

Smoker?

Est. Annual Premium

₹9,500

Monthly

₹792

Coverage per ₹

1053x

🏥

Health Insurance Premium Calculator

Sum Insured

Primary Insured Age

Family Members

Est. Annual Premium

₹12,500

Monthly Cost

₹1,042

80D Benefit

₹3,750

♿

Disability Insurance Calculator

Monthly Income

Monthly Expenses

Years Until Retirement

Recommended Coverage

₹2.16Cr

Monthly Benefit

₹72,000

Coverage Period

25 Years

💎 Savings & Goal Calculators

Budget, save, and track progress towards every financial goal.

🎯

Savings Goal Calculator

Target Amount ₹50L

₹10K₹5Cr

Time to Goal 10 Yrs

130

Current Savings ₹5L

₹0₹1Cr

Expected Returns 10%

4%20%

Monthly Investment Needed

₹18,500

Without Growth

₹37,500

You Save

₹19,000/mo

🧮

Budget Calculator

50-30-20 Budgeting Rule

Monthly Income

🌐

Net Worth Calculator

Assets − Liabilities = Net Worth

Cash & Savings

Investments (MF/Stocks/FD)

Property Value

Total Loans/Liabilities

Your Net Worth

₹65L

Total Assets

₹1.05Cr

Total Liabilities

₹40L

🆘

Emergency Fund Calculator

Monthly Expenses

Job Security

Emergency Fund Required

₹3.6L

Suggested in FD/Liquid

₹2.4L

In Savings Account

₹1.2L

📉

Inflation Calculator

Current Amount ₹1,00,000

₹10K₹1Cr

Inflation Rate 6%

3%15%

Years 10 Yrs

140

Future Value Needed

₹1.79L

Purchasing Power Lost

44%

Real Value Today

₹55,839

⏰

Cost of Delay Calculator

Monthly SIP Amount ₹5,000

₹500₹1L

Investment Horizon 20 Yrs

540

Delay Period 2 Yrs

110

Cost of Waiting

₹12.4L

Start Now Corpus

₹38.3L

Delayed Corpus

₹25.9L

💼 Business Calculators

Essential tools for entrepreneurs, startups, and business owners.

⚖️

Break-Even Calculator

Fixed Costs (Monthly)

Variable Cost per Unit

Selling Price per Unit

Break-Even Units

2,500

Break-Even Revenue

₹8.75L

Contribution Margin

57%

📊

Profit Margin Calculator

Revenue

Cost of Goods Sold

Operating Expenses

Tax Rate (%)

Net Profit Margin

18.75%

Gross Margin

40%

Operating Margin

25%

💎

Business Valuation Calculator

Annual Revenue

Annual EBITDA

Industry Multiple

Est. Business Value

₹1.0Cr

Revenue Multiple

1.0x

EBITDA Multiple

5.0x

🚀

Startup Runway Calculator

Cash Balance

Monthly Revenue

Monthly Burn Rate

Runway

16.7 Months

Net Monthly Burn

₹3.0L

Raise by

Aug 2027

💸

Cash Flow Calculator

Net Profit

Depreciation & Amortisation

Working Capital Change

Capex

Free Cash Flow

₹16.0L

Operating CF

₹21.0L

FCF Margin

80%

📊 SIP & Mutual Fund Calculators

Calculate SIP returns, lumpsum growth, step-up SIP, and goal-based SIP requirements.

📊

SIP Calculator

Monthly SIP ₹10,000

₹500₹1L

Expected Return 12%

6%24%

Duration 15 Yrs

140

Estimated Corpus

₹50.3L

Invested

₹18.0L

Gains

₹32.3L

📅 Start My SIP Plan

📈

Step-Up SIP Calculator

Initial Monthly SIP ₹5,000

₹500₹50K

Annual Step-Up 10%

5%30%

Expected Return 12%

6%24%

Duration 15 Yrs

130

Corpus

₹38.6L

vs. Regular SIP

+₹15.3L

Total Invested

₹19.1L

🎯

Lumpsum Calculator

Investment Amount ₹5L

₹10K₹1Cr

Expected Return 12%

4%24%

Duration 10 Yrs

140

Corpus

₹15.5L

Invested

₹5.0L

Wealth Gain

₹10.5L

🔬 Advanced Financial Calculators

Sophisticated tools for in-depth financial analysis and planning.

🔥

FIRE Calculator

Current Age 30

2055

Monthly Expenses ₹60,000

₹20K₹5L

Monthly Savings ₹40,000

₹5K₹5L

Expected Returns 12%

6%18%

FIRE Number

₹1.8Cr

FIRE Age

44

Years to FIRE

14 Yrs

💹

Wealth Multiplier Calculator

Rule of 72 — When will your money double?

Investment Amount

Annual Return Rate (%)

50+ Free Financial Calculators

📈 Investment Calculators

Compound Interest Calculator

CAGR Calculator

Mutual Fund Return Calculator

SWP Calculator (Systematic Withdrawal Plan)

XIRR Calculator

Dividend Yield Calculator

Dividend Reinvestment Calculator

Risk vs Return Calculator

Asset Allocation Calculator

🏦 Loan & EMI Calculators

EMI Calculator

Home Loan EMI Calculator

Car Loan EMI Calculator

Personal Loan EMI Calculator

Education Loan Calculator

Business Loan Calculator

Loan Prepayment Calculator

Loan Affordability Calculator

Debt Consolidation Calculator

💰 Tax Calculators

Income Tax Calculator FY 2025-26

Old vs New Tax Regime

HRA Exemption Calculator

Capital Gains Tax Calculator

GST Calculator

TDS Calculator

Advance Tax Calculator

🌅 Retirement Calculators

Retirement Calculator

NPS Calculator

Annuity / Pension Calculator

🏠 Real Estate Calculators

Home Affordability Calculator

Rent vs Buy Calculator

Property Investment ROI Calculator

Mortgage Payment Calculator

Mortgage Refinance Calculator

Rental Yield Calculator

🛡️ Insurance Calculators

Life Insurance Coverage Calculator

Term Insurance Calculator

Health Insurance Premium Calculator

Disability Insurance Calculator

💎 Savings & Goal Calculators

Savings Goal Calculator

Budget Calculator

Net Worth Calculator

Emergency Fund Calculator

Inflation Calculator

Cost of Delay Calculator

💼 Business Calculators

Break-Even Calculator

Profit Margin Calculator

Business Valuation Calculator

Startup Runway Calculator

Cash Flow Calculator

📊 SIP & Mutual Fund Calculators

SIP Calculator

Step-Up SIP Calculator

Lumpsum Calculator

🔬 Advanced Financial Calculators

FIRE Calculator

Wealth Multiplier Calculator

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