This is a collection of more than 30 free calculators that cover the money decisions most Indian families face, from your first steps in investing to detailed retirement planning. You can estimate how your investments will grow with the SIP and lumpsum calculators. You can check what safe savings schemes like PPF, FD, RD, NSC and Sukanya Samriddhi will pay you. You can plan retirement with the EPF, NPS, gratuity and SCSS tools, work out your loan EMIs before you borrow, and see your income tax for FY 2026-27 under both regimes.

Every calculator runs instantly in your browser. Nothing you type is stored on our servers. The results are estimates meant for planning and learning, not financial advice. You can read more in our Disclaimer.

Where Should You Start?

Most visitors come here with one of four questions. If you are wondering what your monthly investing will grow into, start with the SIP calculator. If you are planning a loan, the EMI calculator shows the monthly instalment and the full repayment schedule. If tax season is on your mind, the income tax calculator compares the new and old regimes side by side. And if you simply want a safe place for your savings, compare PPF, NSC, FD and SCSS. Each page shows the current government-declared rate and the quarter it applies to.

How to Get Reliable Answers

A few simple habits make these tools much more useful. Change one input at a time, so you can see exactly what an extra year of investing or one percent of return does to the result. Use realistic return numbers: guaranteed schemes have known rates, but for anything market-linked it is better to test a range like 10%, 12% and 14% than to trust a single optimistic figure.

Also keep an eye on the dates. Interest rates on small-savings schemes reset every quarter, banks change deposit and loan rates through the year, and tax rules can change with each Budget. Every page here states the period its rates and rules apply to, such as Q2 FY 2026-27 for small savings or FY 2026-27 for income tax. When a new quarter or Budget arrives, it is worth re-checking your numbers.

FAQs about Financial Calculators

Are these calculators free to use?

Yes — every calculator is completely free, with no registration, no limits and no hidden charges.

How accurate are the results?

The tools use the standard financial formulas (compound interest, EMI amortisation, slab-wise tax). Results are exact for the inputs you give, but real outcomes depend on actual rates, dates and charges, so treat them as close estimates.

Are the tax and scheme rules current?

Content is reviewed against current rules — income tax for FY 2026-27, GST slabs effective September 2025 and small-savings rates for the July–September 2026 quarter — with the applicable period stated on each page.

Is my data stored?

No. Calculations run in your browser; the numbers you enter are not sent to or saved on our servers.

Which calculator should I use for retirement planning?

Start with the retirement calculator to size the corpus you need, then project your existing pillars — EPF, NPS and PPF — in their own calculators, and use the SIP calculator to plan investing for whatever gap remains.

Do these calculators work for any bank or fund house?

Yes — they implement the standard formulas every institution uses (EMI amortisation, compound interest, slab-wise tax), so results apply regardless of which bank, AMC or platform you use. Only institution-specific charges and rates need to come from your provider.