Finance Calculators
Free planning calculators for Indian and global investors — net worth, SIP, EMI, retirement, FIRE, emergency fund and more. Each calculator has its own page with a worked example, the formula and FAQs.
Popular Wealth Tools
SIP & Investment(11)
SIP Calculator
Calculate returns on systematic investment plans over time. Assumes each contribution is made at the start of the month, with returns compounded monthly (annual rate ÷ 12).
Open calculatorStep-up SIP Calculator
Estimate SIP growth when the monthly contribution increases once a year. Assumes contributions at the start of each month, compounded monthly.
Open calculatorLumpsum Calculator
Estimate growth on a one-time investment.
Open calculatorSWP Calculator
Plan systematic withdrawals from your investment corpus.
Open calculatorSTP Calculator
Model transfers from one fund to another over time.
Open calculatorDirect vs Regular Calculator
Compare direct and regular mutual fund plan returns.
Open calculatorCAGR Calculator
Compute compound annual growth rate between two values.
Open calculatorXIRR Calculator
Money-weighted annualized return for irregular cash flows (SIPs, top-ups, withdrawals).
Open calculatorBrokerage Calculator
Estimate trading charges including brokerage and STT.
Open calculatorStock Average Calculator
Calculate average buy price after multiple purchases.
Open calculatorMTF Calculator
Estimate margin trading facility funding costs.
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FD & Savings(5)
FD Calculator
Calculate fixed deposit maturity amount and interest earned.
Open calculatorRD Calculator
Estimate recurring deposit returns over time.
Open calculatorPost Office FD Calculator
Calculate post office fixed deposit maturity and interest.
Open calculatorPost Office RD Calculator
Estimate post office recurring deposit returns.
Open calculatorPost Office MIS Calculator
Calculate monthly income from post office MIS deposits.
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PPF & Govt(6)
NPS Calculator
Project National Pension System corpus with employer match.
Open calculatorPPF Calculator
Estimate Public Provident Fund maturity and interest.
Open calculatorPost Office PPF Calculator
Estimate post office PPF maturity and interest.
Open calculatorNSC Calculator
Calculate National Savings Certificate maturity value.
Open calculatorSSY Calculator
Estimate Sukanya Samriddhi Yojana maturity amount.
Open calculatorAPY Calculator
Estimate Atal Pension Yojana contribution and pension.
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EMI & Loans(7)
EMI Calculator
Calculate monthly loan payments and total interest.
Open calculatorHome Loan EMI Calculator
Estimate home loan EMI, interest, and total repayment.
Open calculatorPersonal Loan EMI Calculator
Calculate personal loan EMI and total interest payable.
Open calculatorCar Loan EMI Calculator
Estimate car loan EMI and total repayment cost.
Open calculatorBike Loan EMI Calculator
Calculate two-wheeler loan EMI and interest.
Open calculatorEducation Loan EMI Calculator
Plan education loan repayments after studies.
Open calculatorCredit Card EMI Calculator
Convert credit card outstanding into EMI payments over a tenure in months.
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Tax & Salary(6)
Gratuity Calculator
Gratuity under the Payment of Gratuity Act: 5-year eligibility, 15/26 formula and the ₹20 lakh tax-exempt limit.
Open calculatorIncome Tax Calculator
India income tax under both regimes — New (default) and Old — with the Section 87A rebate, marginal relief and 4% cess.
Open calculatorSalary Calculator
Break down gross salary into PF on Basic + DA, professional tax, income tax and net pay.
Open calculatorGST Calculator
Compute GST on exclusive or inclusive amounts.
Open calculatorCapital Gains Tax Calculator
Tax on listed shares and equity funds: short-term gains at 20% and long-term gains at 12.5% above the ₹1.25 lakh yearly exemption.
Open calculatorAdvance Tax Calculator
Advance tax instalments due on 15 June, September, December and March from the tax left after TDS.
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Interest(3)
Compound Interest Calculator
See how your principal grows with annual, half-yearly, quarterly or monthly compounding.
Open calculatorSimple Interest Calculator
Calculate interest earned with simple interest formula.
Open calculatorInterest Rate Calculator
Derive the compound annual growth rate (CAGR) from principal and future value.
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Wealth & Planning(7)
Retirement Calculator
Compare the corpus your savings could build by retirement with the corpus your expenses need.
Open calculatorInflation Calculator
See how inflation affects future purchasing power.
Open calculatorTerm Insurance Cover Calculator
How much term life cover you need: human life value plus loans, minus investments and cover you already have.
Open calculatorEmergency Fund Calculator
How much emergency fund you need based on monthly expenses
Open calculatorFIRE Calculator
Financial independence number from your expenses and a withdrawal rate
Open calculatorSavings Goal Calculator
Estimate time to reach a savings target
Open calculatorNet Worth Calculator
Calculate net worth as total assets minus total liabilities. A snapshot — use Net Worth Tracker to keep it live.
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Business & Startup(4)
Runway Calculator
How many months your cash lasts at your current monthly net burn.
Open calculatorBurn Rate Calculator
Monthly burn from your opening and closing cash over a period, and the runway left at that pace.
Open calculatorBreak-even Calculator
Units and revenue you need each month to cover fixed costs.
Open calculatorWorking Capital Calculator
Working capital, current ratio and quick ratio from your balance sheet.
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Everyday Tools(2)
Calculator FAQ
Answers to common questions about our free finance calculators.