Finance Tools — 56 Free Online Tools
All finance tools run 100% in your browser — free, private, no sign-up.
Plan your money with 50+ free finance calculators built for India. Loans: EMI, home loan, car loan, personal loan, eligibility, prepayment and flat-vs-reducing rate. Investments: SIP, step-up SIP, SWP, lumpsum, FD, RD, PPF, EPF, NPS, SSY, NSC, KVP, SCSS, Post Office MIS and compound interest. Taxes and salary: income tax, old vs new regime, in-hand salary, HRA, gratuity, TDS, capital gains and GST. Plus gold price, retirement corpus, inflation, XIRR, CAGR, stock average and crypto profit tools.
Every calculator uses current FY 2025-26 rules and rates where applicable, states its assumptions clearly, and runs privately in your browser. These tools are for information only and are not investment advice — verify important decisions with a qualified advisor.
EMI Calculator
Loan EMI, total interest & payment.
GST Calculator
Add or remove GST from any amount.
SIP Calculator
Estimate mutual fund SIP returns.
Income Tax Calculator
Estimate income tax (new regime).
Compound Interest Calculator
Calculate maturity and interest earned on investments.
Lump Sum Calculator
Future value and total gain of a one-time investment.
Mortgage Calculator
Monthly payment, total interest, and total cost.
FD Calculator
Calculate FD maturity amount, total interest, and year-wise growth with adjustable compounding.
RD Calculator
Find recurring deposit maturity value, total deposit, and interest using quarterly compounding.
PPF Calculator
Plan your PPF investment with yearly contribution cap, tax-free interest, and maturity projection.
CAGR Calculator
Compute compound annual growth rate or final value, with absolute return percentage.
Inflation Calculator
See future cost of todays amount and todays value of future money at any inflation rate.
Simple Interest Calculator
Calculate simple interest, total repayment, and compare with compound interest instantly.
Salary Hike Calculator
Find new salary from hike percentage or calculate percent increment between two salaries.
Gratuity Calculator
Estimate gratuity payout under the Payment of Gratuity Act with rounded service years.
SWP Calculator
Plan systematic withdrawals and see how long your corpus lasts with year-wise balance.
Hourly to Salary
Convert hourly wage to yearly, monthly, weekly salary and vice versa.
In-Hand Salary Calculator
CTC to monthly take‑home (FY 2025‑26 new regime). PF, professional tax, standard deduction and rebate.
EPF Calculator
Retirement EPF corpus with employee/employer split, EPS deduction, yearly compounding and salary hikes.
HRA Calculator
House Rent Allowance exemption calculation. Metro/non‑metro, rule breakdown, monthly & annual figures.
SSY Calculator
Sukanya Samriddhi Yojana maturity corpus. 15‑year deposits, 21‑year tenure, year‑wise interest table.
NPS Calculator
National Pension Scheme corpus, lump‑sum, monthly pension. Adjustable annuity allocation & return.
Home Loan EMI Calculator
Home loan EMI with amortization. Default ₹30L, 8.5%, 20 yr. Year‑wise principal & interest breakup.
Car Loan EMI Calculator
Car loan EMI with amortization. Default ₹8L, 9.5%, 5 yr. Year‑wise balance table.
Personal Loan EMI Calculator
Personal loan EMI with amortization. Default ₹3L, 12%, 3 yr. See total interest and repayment plan.
Stock Average Calculator
Calculate weighted average stock price and target average for averaging down.
Stock Profit Calculator
Gross and net profit/loss, return %, and break-even sell price with brokerage.
XIRR Calculator
Extended Internal Rate of Return for irregular cash flows with Newton-Raphson method.
Crypto Profit Calculator
Crypto P&L with exchange fees and 30% India VDA tax estimate.
Step-Up SIP Calculator
SIP returns with annual top-up vs normal SIP, with year-wise table.
Retirement Corpus Calculator
Inflation-adjusted retirement corpus, FIRE number, and monthly SIP required.
Old vs New Tax Regime Calculator
Compare FY 2025-26 old vs new tax regime with deductions and 87A rebate.
Capital Gains Tax Calculator
LTCG/STCG on equity, property, gold, and debt MF as per latest rules.
TDS Calculator
Section-wise TDS with editable rates, thresholds, and PAN rule.
Zakat Calculator
2.5% Zakat on net wealth above Nisab (gold and silver thresholds).
Gold Jewellery Price Calculator
Gold value, making charges, and GST breakup for any purity.
Loan Eligibility Calculator
Max loan amount by income, FOIR, and existing EMIs.
Loan Prepayment Calculator
Interest saved by prepaying with tenure-cut vs EMI-cut options.
Flat vs Reducing Rate Calculator
Convert flat rate to equivalent reducing rate and see the true cost.
Credit Card Interest Calculator
Simulate credit card repayment, minimum due trap, and months to clear.
Down Payment Calculator
Total upfront home cost with stamp duty, registration, and EMI.
Rent vs Buy Calculator
Compare net cost of buying vs renting and investing the difference.
Post Office MIS Calculator
Monthly income from Post Office MIS with editable interest rate.
APY Calculator
Atal Pension Yojana contribution and pension based on official table.
SCSS Calculator
Senior Citizen Savings Scheme quarterly and annual interest payout.
KVP Calculator
Kisan Vikas Patra maturity and year-wise growth at current rate.
NSC Calculator
National Savings Certificate maturity and year-wise 80C eligible interest.
Lakh Crore to Million Billion Converter
Convert lakh/crore to million/billion and vice versa with reference table.
PayPal Fee Calculator
PayPal receiving fees and gross-up to net a desired amount.
Savings Goal Calculator
Monthly SIP needed to reach a financial goal with compound interest.
Net Worth Calculator
Track assets and liabilities, see net worth and asset mix. Local save.
Emergency Fund Calculator
Emergency fund target by job stability, gap analysis, and savings plan.
Cash Denomination Counter
Count notes by denomination, grand total, and copy/print summary.
Car Depreciation Calculator
Year-wise car resale value using standard or custom depreciation.
Overtime Pay Calculator
Overtime pay with hourly or monthly salary and configurable multiplier.
Rule of 72 Calculator
Years to double/triple/quadruple money using Rule of 72, 114, and 144.
Frequently Asked Questions
Are these calculators updated for FY 2025-26?
Yes. Tax-related tools like Income Tax, Old vs New Regime, In-Hand Salary and Capital Gains use the FY 2025-26 slabs and rules, and mention their assumptions on the page.
Which SIP calculator should I use?
Use the SIP Calculator for a fixed monthly amount, Step-up SIP if you increase your SIP every year, and SWP to plan withdrawals.
Is my financial data private?
Completely. Numbers you enter are processed in your browser only — nothing is sent to any server.