Free Finance Calculators — EMI, SIP, FD, GST & Salary
A free set of calculators for the money questions that come up most in India — loan EMIs, mutual fund SIPs and lumpsums, fixed and recurring deposits, compound and simple interest, GST, and turning a CTC into your real monthly take-home. Enter your figures and get an instant, accurate answer with a clear breakdown.
Everything runs in your browser: nothing is uploaded, there's no signup, and the tools work on any phone or laptop. Amounts are shown in rupees with Indian lakh/crore grouping.
🏦 Loans2
📈 Investments7
SIP Calculator
Estimate mutual fund SIP returns from monthly investment & tenure.
Lumpsum Calculator
Future value of a one-time investment with annual compounding.
FD Calculator
Fixed deposit maturity & interest with quarterly compounding.
RD Calculator
Recurring deposit maturity from monthly deposit & rate.
Compound Interest Calculator
Compound interest with annual, quarterly or monthly compounding.
Simple Interest Calculator
Simple interest and total amount from principal, rate & time.
Step-up SIP Calculator
SIP maturity when you raise the monthly amount each year.
💰 Salary3
🧾 Tax1
🔤 Converters1
✅ Validators2
🐖 Savings8
PPF Calculator
Public Provident Fund maturity from your yearly deposit & rate.
EPF Calculator
Employees' Provident Fund corpus at retirement, with salary growth.
Sukanya Samriddhi Calculator
SSY maturity value after 21 years from your yearly deposit.
SCSS Calculator
Senior Citizen Savings Scheme quarterly interest & total return.
KVP Calculator
Kisan Vikas Patra doubling time and maturity value.
NPS Calculator
National Pension System corpus and the monthly pension it buys.
Retirement Calculator
Corpus you need to retire and the monthly SIP to build it.
Inflation Calculator
Future cost of money and its lost purchasing power over time.
Investments & deposits
- SIP Calculator — the projected maturity of a monthly mutual fund investment.
- Step-up SIP — a SIP where the monthly amount rises each year.
- Lumpsum Calculator — the future value of a one-time investment.
- FD Calculator — fixed deposit maturity with quarterly compounding.
- RD Calculator — recurring deposit maturity from a monthly deposit.
- Compound Interest — with annual, half-yearly, quarterly or monthly compounding.
- Simple Interest — flat interest on the principal alone.
Small savings & retirement
- PPF, EPF & NPS — provident-fund and pension corpus at maturity.
- Sukanya Samriddhi, SCSS & KVP — the popular post-office and small-savings schemes.
- Retirement Calculator — the corpus you need and the SIP to build it.
- Inflation Calculator — the future cost of money and its lost purchasing power.
Salary & tax
- CTC to In-Hand Salary — your monthly take-home from CTC, with a full deduction breakdown.
- HRA Exemption Calculator — the tax-free part of your House Rent Allowance.
- Gratuity Calculator — the gratuity payable from your salary and years of service.
- GST Calculator — add or remove GST at any rate, with the CGST / SGST split.
Loans
- EMI Calculator — the monthly EMI on a loan, with total interest.
- Home Loan Eligibility — the loan you may qualify for from your income and FOIR.
Validators & converters
- GSTIN Validator — check a GST number's format, state code and checksum.
- PAN Validator — verify a PAN's format and decode the holder type.
- Rupees in Words — convert an amount to words (lakh/crore) for cheques and invoices.
Accurate, and honest about it
The formulas here are universal and don't hardcode any figure that changes with the annual budget — so an EMI, SIP or FD result stays correct year to year. Where a convention applies, it's stated plainly: FDs and RDs compound quarterly (the Indian bank standard), and the salary tool leaves income tax for you to enter because slabs and the old-versus-new regime change yearly. Deposit and salary results are close estimates — confirm exact figures with your bank or employer.
Frequently asked questions
Are these finance tools free?
Yes, every calculator is free with no signup and no limits, and they all work on mobile.
How is loan EMI calculated?
EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where P is the loan amount, r the monthly rate and n the tenure in months. The EMI Calculator applies this and shows the total interest.
Do FD and RD calculators use quarterly compounding?
Yes — Indian banks generally compound FD and RD interest quarterly, so both tools use that by default. Your bank's exact payout can differ slightly.
Why doesn't the salary calculator compute income tax?
Tax slabs and the old/new regime choice change every year and depend on your declarations, so the CTC to In-Hand tool lets you enter your tax from your payslip to stay accurate rather than guessing.
Is my data uploaded?
No. Every calculation runs entirely in your browser, so your loan, investment and salary figures never leave your device.