Financial Calculators & Personal Finance Guides

Free financial and utility calculators for India

Make Better Financial Decisions With Numbers You Can Understand

Calculate SIP growth, loan EMI, retirement needs, taxes, inflation, savings and everyday financial numbers using your own inputs. Change the assumptions, compare scenarios and see how the numbers change.

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Financial Calculators Built Around Real Questions

Start with the number you need. Enter your own figures, test different assumptions and use the result as a starting point for your planning.

Category

Investments & Savings

Understand how contributions, returns, time and compounding can affect your savings and investment calculations.

SIP Calculator

Estimate how a regular monthly investment could grow over a period you choose. Enter the amount, the number of years and an assumed annual return, then review the invested amount and the projected value. Change any assumption to compare scenarios. The result is a projection, not a forecast of actual market returns.

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PPF Calculator

Work through a Public Provident Fund projection from your yearly contribution, investment period and assumed interest rate. It is useful when you want to see how regular deposits and compounding can shape a projected maturity value. Rates and rules can change, so treat the figure as an estimate and check the current PPF terms.

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FD Calculator

Estimate the maturity value of a fixed deposit from the deposit amount, interest rate and duration. Use it to compare tenures or rates before you place money. The calculation does not replace the bank’s quote, and tax treatment or premature-withdrawal terms may change the amount you actually receive.

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CAGR Calculator

Find the annualised growth rate between a starting value and an ending value over a set number of years. CAGR smooths a lumpy path into one compounded rate, which makes different periods easier to compare. It describes past or assumed growth. It does not predict what the next year will return.

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Compound Interest Calculator

See how principal, rate, time and compounding frequency can change a future value. It is a clear way to test “what if I leave this money invested longer?” or “what if the rate is lower?”. The output follows the assumptions you enter and should not be read as a promised return.

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Category

Retirement Planning

Turn retirement questions into numbers – from the corpus you may need to the savings required to reach a target under your selected assumptions.

Retirement Planning Calculator

Explore retirement questions with your own inputs: a possible corpus, a retirement SIP, monthly pension or income, withdrawals and early-retirement scenarios, depending on the options available in the tool. Adjust the return, inflation and time horizon one at a time. The figures are planning estimates, not a guaranteed retirement corpus.

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NPS Calculator

Estimate how National Pension System contributions could accumulate over your chosen time horizon at an assumed return. It helps you test contribution size and years of investing before you look at actual scheme options. NPS returns, charges and annuity rules vary, so the result is an estimate only.

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Category

Loans & EMI

Estimate monthly payments and total repayment so you can understand the cost of borrowing before comparing scenarios.

EMI Calculator

Enter a loan amount, interest rate and tenure to estimate the equated monthly instalment, total interest and total repayment. It is a practical first check for personal, vehicle or other EMI loans. A lower EMI from a longer tenure can still mean a higher total interest cost, so compare both.

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Home Loan Calculator

Estimate the monthly instalment on a home loan from the amount, rate and tenure you enter, along with the interest you may pay over the full term. Use it to test a shorter tenure or a different rate before you compare lender quotes. Processing fees, insurance and rate changes are outside a basic EMI figure.

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Loan Calculator

Run a general loan estimate when you want the monthly payment and the full repayment picture in one place. Change the principal, rate or tenure to see which input moves the cost the most. Treat the output as a calculation from your inputs, then confirm the offer, charges and repayment schedule with the lender.

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Category

Tax, Salary & Employment

Quick estimates around income, salary-related calculations, GST and employee benefits.

Income Tax Calculator

Estimate income tax from the income and deduction details you enter. It is meant to help you compare scenarios before you file or plan, not to replace the official computation. Tax rules, slabs and rebates can change, so verify the result against the current law or a qualified tax professional.

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Salary Calculator

Break a salary figure into the components you want to inspect, so monthly and annual numbers are easier to read. Useful when you are comparing an offer or checking how a CTC figure relates to take-home pay. Employer deductions, allowances and tax can differ from a simple split, so confirm the payslip details.

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Gratuity Calculator

Estimate gratuity from salary and years of service using the inputs the calculator asks for. It helps employees and employers get a working figure before looking at the formal settlement. Eligibility, the wage definition and the applicable formula depend on the law and the employment terms, so verify before relying on the amount.

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GST Calculator

Add or remove GST from a price at the rate you select, and see the tax amount and the net or gross figure. Handy for invoices, quotes and quick price checks. GST rates and whether a supply is taxable can change by item and date, so confirm the applicable rate before you bill or claim input tax.

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Category

Everyday Financial & Number Calculations

Quick tools for common calculations involving prices, percentages, inflation, profit and loss, age and interest.

Inflation Calculator

Estimate how an amount today could compare with a future amount at an inflation rate you choose. It is a way to see why a target saved in nominal rupees may buy less later. Inflation is not constant, so the result shows the effect of your assumption rather than a prediction of official price data.

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Discount Calculator

Work out the discount amount and the price you pay after a percentage or fixed reduction. Useful when a listed offer is easier to judge in rupees than in a headline percentage. It calculates the arithmetic of the inputs you enter and does not check whether a seller’s offer is the best available price.

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Profit & Loss Calculator

Calculate profit or loss, and the related percentage, from cost and selling figures. It helps with a single product, a trade or a simple business check before you look at expenses that sit outside the basic formula. Enter the actual costs you want included so the percentage reflects that choice.

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Percentage Calculator

Find a percentage of a number, the percent change between two values, or the value that a percentage represents. It covers the small calculations that show up in bills, marks, raises and price changes. The tool does the arithmetic you request. It does not interpret whether the change is favourable.

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Simple Interest Calculator

Estimate interest that is charged only on the original principal, using the rate and time you enter. Simple interest is easier to read than compounding and is still used in some loans and deposits. Confirm whether the product actually uses simple interest, and whether the rate is annual, before you compare offers.

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Age Calculator

Calculate age from a date of birth in years, months and days, or the gap between two dates. Useful for forms, eligibility checks and planning milestones. The result follows the calendar dates you enter. It is not a substitute for an official age proof.

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BMI Calculator

Calculate body mass index from height and weight. BMI is a general screening measure based on a simple ratio. It is not a diagnosis, and it does not measure fitness, body composition or a medical condition. For health decisions, use it only as context and consult a qualified clinician.

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More calculators can be added inside these categories as they are published.

How to Use the Calculators

1

Choose the right calculator

Pick a tool based on the question you want to answer. A SIP question and an EMI question need different inputs, so start from the category that matches the decision.

2

Enter your numbers

Use your actual amount, time period and other relevant inputs. If you do not know a rate yet, try a conservative figure and note that it is an assumption.

3

Compare scenarios

Change one assumption at a time and see how the result changes. That is usually more useful than treating the first number as a final plan.

What Should You Calculate First?

Start from the decision in front of you, then open the calculator that uses the inputs you already have.

I want to build long-term wealth

Begin with the contribution you can actually continue. A monthly investing question fits the SIP Calculator. If you already have a start and end value, use the CAGR Calculator. For a lump sum and compounding frequency, use the Compound Interest Calculator. PPF and FD calculators are better when the product rate and lock-in are the point of the comparison.

I am considering a loan

Look beyond the monthly EMI. A longer tenure can reduce the instalment and still raise total interest. Use the EMI Calculator for a general loan, the Home Loan Calculator when the borrowing is for a house, and the Loan Calculator when you want a broader repayment check. Compare tenure and total repayment, not the EMI alone.

I am planning for retirement

Separate the corpus you may need from the savings rate that could move you toward it. The Retirement Planning Calculator can help you explore retirement corpus, retirement SIP, pension or income, and withdrawal scenarios where those options are available. The NPS Calculator is the narrower estimate for NPS contributions and an assumed return over time.

I need a quick everyday calculation

Use a single-purpose tool when the question is small and immediate: inflation for purchasing power, discount for a sale price, profit and loss for a margin, percentage for a change, simple interest for principal-only interest, and age for a date gap.

Financial Guides That Explain the Numbers

Calculators give you a number. These guides help you understand the assumptions and ideas behind it.

Why calculate before making a plan?

Financial decisions often become clearer when you can see the numbers. A monthly saving target, a loan offer or a retirement date is hard to judge until the related figure is written down.

A change in any one of the inputs below can move a projection by a large amount. Calculators let you test those scenarios quickly, with your own figures, before you commit to a product or a plan. The result is still an estimate. It does not guarantee a future outcome.

  • Investment amount
  • Loan tenure
  • Interest rate
  • Inflation
  • Time period
  • Return assumption

Start With the Number You Need to Know

Whether you are checking an EMI, planning retirement, estimating investment growth or solving a quick percentage calculation, start with the relevant calculator and test your own numbers.