This page brings together a complete collection of online financial, investment, banking, tax, business, and utility calculators from Harshonomics. Instead of calculating everything manually, you can choose the calculator you need, enter your numbers, and get an instant mathematical estimate.
Whether you are planning a monthly SIP, checking a loan EMI, estimating income tax, calculating GST, comparing investment growth, or simply working out a percentage, the calculators below are designed to make everyday calculations easier.
Choose a Calculator
Investment & Wealth Calculators
- SIP Calculator — Estimate the potential future value of regular SIP investments.
- CAGR Calculator — Calculate the annualized growth rate of an investment.
- Compound Interest Calculator — Calculate how money can grow through compound interest.
Tax & Government Savings Calculators
- Income Tax Calculator — Estimate income tax based on the applicable inputs and assumptions.
- GST Calculator — Calculate GST amounts, including GST-inclusive and GST-exclusive values.
- PPF Calculator — Estimate PPF contributions, interest and potential maturity value.
- NPS Calculator — Estimate potential retirement corpus and related outcomes based on your assumptions.
Loan, Salary & Banking Calculators
- EMI Calculator — Calculate monthly EMI, total interest and total repayment.
- Home Loan Calculator — Estimate home-loan EMIs and repayment costs.
- Loan Calculator — Compare loan amounts, interest rates and repayment periods.
- FD Calculator — Estimate fixed-deposit maturity value and interest.
- Salary Calculator — Estimate in-hand salary from salary and deduction inputs.
- Gratuity Calculator — Estimate gratuity based on eligible service and salary inputs.
Personal Finance & Business Calculators
- Inflation Calculator — Estimate how inflation can affect the future purchasing power of money.
- Discount Calculator — Calculate discount amounts and final prices.
- Profit & Loss Calculator — Calculate profit, loss, percentage and related figures.
- Simple Interest Calculator — Calculate simple interest and total amount.
Everyday & Mathematical Calculators
- Percentage Calculator — Calculate percentages, percentage changes and related values.
- Age Calculator — Calculate age in years, months and days.
- BMI Calculator — Calculate BMI from height and weight.
Investment & Wealth Calculators
Investment calculations often involve different amounts, time periods and rates of return. These tools can help you understand the mathematical side of investment growth without having to perform the calculations manually.
SIP Calculator
A SIP (Systematic Investment Plan) calculator helps estimate how regular investments could grow over time.
Use the SIP Calculator to enter your investment amount, investment period and assumed rate of return and estimate the potential future value of your contributions.
It can be useful when comparing different monthly investment amounts or investment periods.
You may also find useful:
Important: SIP calculator results are mathematical projections based on the assumptions entered. They do not guarantee mutual fund or investment returns.
CAGR Calculator
CAGR, or Compound Annual Growth Rate, shows the annualized rate at which an investment would have grown between two values over a specified period, assuming a constant compounded rate for the calculation.
The CAGR Calculator can be used for stocks, mutual funds, businesses, property values and other investments where you know the starting value, ending value and investment period.
For example, it can help answer: “What annual growth rate was required for an investment to grow from its starting value to its current value?”
Compound Interest Calculator
Compound interest allows previously accumulated interest to become part of the amount on which future interest is calculated.
The Compound Interest Calculator can help estimate the future value of money based on the principal, interest rate, time period and compounding assumptions.
It is useful for understanding how the combination of time, rate and compounding can affect long-term growth.
Simple Interest Calculator
Unlike compound interest, simple interest is calculated on the original principal amount.
Use the Simple Interest Calculator when you need to calculate simple interest, total interest or the final amount based on principal, rate and time.
Tax & Government Savings Calculators
Tax and government-backed savings calculations can involve specific rules, rates and financial-year considerations. These calculators are designed to provide estimates based on the inputs and assumptions used by each tool.
Income Tax Calculator
The Income Tax Calculator can help estimate income tax using the salary, deductions, income and other information entered into the calculator.
It can be particularly useful when comparing estimated tax liability under different applicable tax-regime assumptions.
Because tax rules, slabs, deductions and exemptions can change, always verify the applicable rules for the relevant financial year before making tax decisions.
GST Calculator
The GST Calculator helps calculate GST amounts and prices before or after GST.
It can be useful for:
- Businesses
- Traders
- Service providers
- Online sellers
- Consumers
- Invoice calculations
You can use it to determine the GST amount as well as the resulting price when GST is added or removed from a value.
PPF Calculator
The Public Provident Fund (PPF) is a long-term government-backed savings scheme.
The PPF Calculator helps estimate the potential value of PPF contributions over the selected period using the applicable assumptions entered into the calculator.
PPF interest rates and government rules can change, so the calculator should be treated as an estimation tool rather than a guarantee of future maturity value.
NPS Calculator
The National Pension System (NPS) is a retirement-oriented investment framework.
The NPS Calculator can help estimate a potential retirement corpus based on contribution amount, investment period, assumed return and other inputs.
Where the calculator includes annuity or pension estimates, those figures depend on the assumptions entered and applicable NPS and annuity conditions.
Loan, Salary & Banking Calculators
Loans and salary calculations can become complicated when interest, tenure, deductions and repayment schedules are involved. These calculators make the mathematical part easier to understand.
EMI Calculator
An EMI (Equated Monthly Instalment) is the regular payment made toward a loan.
Use the EMI Calculator to calculate:
- Estimated monthly EMI
- Total interest payable
- Total repayment amount
- Effect of different loan rates and tenures
It can be useful for personal loans, vehicle loans, education loans and other EMI-based borrowing.
Home Loan Calculator
Home loans generally involve large amounts and long repayment periods.
The Home Loan Calculator helps estimate monthly EMI, total interest and overall repayment based on the loan amount, interest rate and tenure entered.
You can also use different assumptions to understand how changing the loan tenure or interest rate can affect the overall repayment.
Loan Calculator
The Loan Calculator provides a broader way to evaluate borrowing scenarios.
It can help you compare different loan amounts, interest rates and repayment periods and understand their effect on repayment costs.
Related tools:
FD Calculator
Fixed deposits are commonly used for predictable savings and interest calculations.
The FD Calculator helps estimate the maturity amount and interest earned based on the deposit amount, interest rate, tenure and applicable compounding assumptions.
Actual bank returns may differ depending on the bank, deposit type, rate and applicable terms.
Salary Calculator
CTC and in-hand salary are not always the same because salary structures can include different components and deductions.
The Salary Calculator helps estimate take-home salary from the salary information entered.
Depending on the calculator inputs, this may include components such as EPF, professional tax and income-tax-related deductions.
Actual salary received can differ depending on the employer’s salary structure, applicable deductions and individual circumstances.
Gratuity Calculator
Gratuity is a statutory employment benefit subject to applicable eligibility conditions and rules.
The Gratuity Calculator can help estimate gratuity using salary and eligible-service inputs.
For an actual entitlement, the applicable law, employment records and individual circumstances should be considered.
Personal Finance & Business Calculators
Inflation Calculator
The purchasing power of money generally changes over time as prices rise.
The Inflation Calculator helps estimate the future or equivalent value of money using an assumed inflation rate and time period.
For example, it can help answer: “How much money might be required in the future to have purchasing power similar to a certain amount today?”
Inflation assumptions are estimates and actual future inflation can be different.
Discount Calculator
The Discount Calculator makes it easy to calculate the discount amount and final selling price.
It can be useful for shopping, retail pricing, offers and business calculations.
Enter the original price and discount percentage to determine the amount saved and the final price.
Profit & Loss Calculator
Businesses, retailers and resellers often need to quickly determine whether a transaction results in a profit or loss.
The Profit & Loss Calculator can calculate relevant profit, loss and percentage figures from the cost price and selling price.
It can be useful for checking product pricing, margins and basic business calculations.
Everyday & Mathematical Calculators
Percentage Calculator
The Percentage Calculator can help with common percentage calculations, including determining a percentage of a number and calculating percentage increases or decreases.
It can be useful for students, businesses, discounts, salary changes, price changes and everyday calculations.
Age Calculator
The Age Calculator calculates age from a date of birth and a selected date.
Depending on the dates entered, it can provide the age in years, months and days.
It can be useful for personal records, eligibility checks and general date calculations.
BMI Calculator
The BMI Calculator calculates Body Mass Index using height and weight.
BMI is a screening measurement rather than a complete assessment of an individual’s health or body composition. Results should therefore be interpreted in the appropriate context.
Which Calculator Should You Use?
Not sure which tool you need? Start with the question you want to answer.
- How much could my monthly investment grow over time? → SIP Calculator
- What was the annualized growth rate of my investment? → CAGR Calculator
- How does compound interest affect long-term growth? → Compound Interest Calculator
- What will my monthly loan payment be? → EMI Calculator
- How much could I repay on a home loan? → Home Loan Calculator
- How much GST is included in a price? → GST Calculator
- How much income tax might I have to pay? → Income Tax Calculator
- How much could my PPF grow? → PPF Calculator
- How much might I accumulate for retirement through NPS? → NPS Calculator
- How much will my fixed deposit be worth at maturity? → FD Calculator
- What could my take-home salary be? → Salary Calculator
- How much gratuity could I receive? → Gratuity Calculator
- How much will an item cost after a discount? → Discount Calculator
- Did I make a profit or loss? → Profit & Loss Calculator
- How will inflation affect the purchasing power of money? → Inflation Calculator
- What is the percentage change? → Percentage Calculator
- How old am I in years, months and days? → Age Calculator
- What is my BMI? → BMI Calculator
- How much simple interest will I earn or pay? → Simple Interest Calculator
- How much will a loan cost over time? → Loan Calculator
Why Use Online Calculators?
Online calculators can make repetitive mathematical calculations faster and easier to verify.
They are particularly useful when you want to:
- Compare different scenarios
- Check calculations before making a decision
- Understand the effect of changing an input
- Avoid repetitive manual calculations
- Experiment with different amounts, rates and time periods
- Quickly estimate financial or everyday figures
However, a calculator is only as useful as the assumptions and information entered into it. Always review the inputs and understand what the result represents.
Frequently Asked Questions
Are these calculators free to use?
The calculators listed on this page are designed to provide quick online calculations without requiring manual mathematical formulas.
Are calculator results guaranteed?
No. Calculator results are estimates based on the information and assumptions entered. Investment, tax, loan and other real-world outcomes may differ from the calculated result.
Can I use these calculators on a mobile phone?
Yes. These online calculators can be accessed through a web browser, including on mobile devices.
Do investment calculators guarantee returns?
No. SIP, NPS and other investment-related calculators may use an assumed rate of return to produce a mathematical projection. Actual investment returns can vary and are not guaranteed.
Should I use calculator results to make financial decisions?
Calculator results can help you understand numbers and compare scenarios, but they should not be considered personalized financial, tax or legal advice. For important decisions, consider the applicable rules and, where appropriate, seek advice from a qualified professional.
Can government rules and interest rates change?
Yes. Tax rules, statutory provisions, government-scheme interest rates and other financial conditions can change. Always verify current rules and rates before relying on a calculation for an actual financial transaction.
Important Disclaimer
The calculators available on Harshonomics are provided for general informational, educational and mathematical estimation purposes.
Calculator results depend on the information, formulas, rates and assumptions used by the respective calculator. Results should not be considered certified financial, investment, tax, legal, accounting or professional advice.
Investment-related calculations, including SIP, CAGR and NPS projections, may use assumed rates of return. Actual investment performance can be different, and no return or profit is guaranteed.
Tax calculations may depend on the relevant financial year, applicable tax regime, deductions, exemptions and other individual circumstances. Government schemes, interest rates, tax rules and statutory provisions may change over time.
Before making an important financial, tax, investment or legal decision, verify the applicable current rules and consider consulting an appropriately qualified professional.
Use these calculators as tools for understanding and estimating numbers—not as a substitute for professional advice.