25+ Free Calculators · India

Every rupee
deserves a
clear plan.

Accurate, RBI-aligned calculators for EMI, SIP, gratuity, income tax, NPS, PPF, SSY and more — built specifically for Indian investors and salaried professionals.

💰 Investments 8 🏦 Loans 4 💼 Salary & Tax 7 🏛️ Govt Savings 6
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EMI
SIP
FD
₹
Monthly EMI
—
Total payable—
Interest paid—
₹
Maturity Value
—
Invested—
Wealth gained—
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Maturity Amount
—
Principal—
Interest earned—
✓ RBI-approved formulas
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₹ India-specific rates
All Finance Tools

25 calculators. One place.

Everything an Indian investor or salaried professional needs — no signup, no ads, no nonsense.

Showing 12 calculators
💸
🔥 Trending 450K searches/mo
SWP Calculator
Plan your Systematic Withdrawal Plan — see exactly how long your retirement corpus lasts and how much you can safely withdraw each month while staying invested.
swp calculator swp sbi corpus withdrawal retirement income
450K
searches/mo
🏆
246K/mo
Gratuity Calculator
Calculate your gratuity payout in seconds using the Payment of Gratuity Act formula. Covers both private and government sector employees.
gratuity formula5 year servicelast salary
Vol246,000
Hard · 37
📈
165K/mo
Step-Up SIP Calculator
Discover how increasing your SIP by 10% each year can dramatically boost your final corpus. Compare regular vs step-up returns side by side.
top-up sipannual incrementmf returns
Vol165,000
Hard · 39
🏛️
🔔 NewGovt
8th Pay Commission Calculator
Estimate your revised pay under the 8th Pay Commission. Get your new basic pay, DA, HRA and net take-home salary across all pay levels.
pay matrixcentral govtbasic pay
Vol135,000
Medium · 27
👧
Govt · 8.2%
Sukanya Samriddhi Yojana
Plan your daughter's education and marriage fund. Calculate SSY maturity at the current 8.2% rate with year-by-year balance breakdown.
ssy calculatorgirl child21 year maturity
Vol110,000
Hard · 37
🏠
Popular
EMI Calculator
Monthly EMI for any loan — home, car, bike or personal. Get full amortization schedule showing principal vs interest month-by-month.
home loancar loan emiamortization
Vol49,500
Hard · 39
💹
Easy
Salary Hike Calculator
Appraisal coming up? Find your new salary after a % hike, or reverse-calculate what percentage raise you received. Works for CTC or in-hand.
appraisalincrementctc hike
Vol67,600
Easy · 19
📮
Post Office
Post Office RD Calculator
Compute maturity for Post Office Recurring Deposits. Compare with SBI RD and leading bank rates. Built for conservative, risk-free savers.
post office rdrd maturityquarterly compounding
Vol60,500
Hard · 39
📋
AY 2025-26
Income Tax Calculator
Compare old vs new tax regime instantly. See your tax liability slab-by-slab for AY 2025-26 and identify which regime saves you more money.
old vs new regime80C deductionsslab rate
Vol55,300
Medium · 35
🏅
Easy
Post Office MIS Calculator
Calculate your monthly interest payout from the Post Office Monthly Income Scheme at 7.4% p.a. Ideal for retirees seeking regular, safe income.
mis calculatormonthly payoutsenior citizen
Vol27,100
Easy · 23
👴
80CCD benefit
NPS Pension Calculator
Project your NPS corpus and estimated monthly pension at retirement. Includes annuity rate modelling and tax deduction under 80CCD(1B).
nps tier 1annuityretirement corpus
Vol45,000
Hard · 39
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8.25% rate
EPF / PF Calculator
See your projected EPF balance at retirement. Calculates employer + employee contributions compounding at the current 8.25% EPF interest rate.
epf balanceemployer contributionpfms
Vol40,500
Hard · 37
🔍

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How it works

Four steps to a smarter decision

01
Pick your tool
Browse 25+ calculators by category or search by keyword. Every tool is India-specific — no generic Western formulas.
02
Enter your numbers
Fields auto-fill with current Indian market rates — SBI FD rate, EPF rate, SSY rate — so you start with real data, not guesses.
03
See the breakdown
Instant results with a full breakdown — not just the final number, but how every rupee is computed, month by month.
04
Decide with clarity
Export or compare scenarios. Share with your financial advisor or family. Make decisions backed by accurate math, not gut feel.
Transparent Math

The formulas behind every result

We don't hide the math. Every calculator uses the exact formula mandated by the RBI, SEBI, or relevant Indian Act.

Loans & Credit
EMI — Reducing Balance
EMI = P × r × (1+r)ⁿ ───────────────── (1+r)ⁿ − 1
PPrincipal loan amount
rMonthly rate = annual rate ÷ 12 ÷ 100
nNumber of monthly instalments
Mutual Funds
SIP Maturity Value
M = P × [(1+r)ⁿ − 1] ────────────────── × (1+r) r
MMaturity amount
PMonthly SIP investment
rMonthly expected return
nTotal months (years × 12)
Employment Benefits
Gratuity — Payment of Gratuity Act
Gratuity = Salary × 15 × Years ────────────────────────── 26
SalaryLast drawn Basic + DA
15Days of salary per service year
26Working days/month per the Act
Max₹20 lakh tax-free limit
Fixed Deposits
Compound Interest (Quarterly)
A = P × (1 + r/4)^(4×t)
AMaturity amount
PPrincipal deposited
rAnnual interest rate ÷ 100
tTime in years
Quick Reference

Top tools at a glance

Search volume, difficulty, and best use case for every calculator — so you know which one to start with.

Calculator Monthly searches Difficulty Best suited for Category
SWP Calculator 450,000 Hard · 36 Retirees planning monthly income Investment
Gratuity Calculator 246,000 Hard · 37 Employees nearing resignation Salary & Tax
Step-Up SIP Calculator 165,000 Hard · 39 Young MF investors, SIP planners Investment
8th Pay Commission 135,000 Medium · 27 Central government employees Salary & Tax
Sukanya Samriddhi 110,000 Hard · 37 Parents planning daughter's future Govt Savings
Salary Hike Calculator 67,600 Easy · 19 Employees negotiating appraisals Salary & Tax
Post Office RD 60,500 Hard · 39 Conservative, risk-averse savers Govt Savings
Income Tax Calculator 55,300 Medium · 35 All salaried taxpayers, ITR filers Salary & Tax
Post Office MIS 27,100 Easy · 23 Senior citizens, retirees Govt Savings
NPS Pension Calculator 45,000 Hard · 39 Long-term retirement planners Investment
Common Questions

Before you calculate,
read this

Are these calculators accurate for Indian banks and financial products?
Yes — every formula is derived from RBI circulars, SEBI guidelines, and relevant Indian Acts. EMI uses the reducing balance method mandated for all regulated lenders. Gratuity follows the Payment of Gratuity Act 1972. SSY and PPF rates are updated quarterly as notified by the Ministry of Finance. The rates displayed in the ticker reflect current, publicly available figures.
How is EMI calculated in India — and does it match what my bank shows?
EMI = P × r × (1+r)ⁿ ÷ [(1+r)ⁿ−1] where r is the monthly rate (annual ÷ 12 ÷ 100) and n is total months. All RBI-regulated banks use this reducing balance formula. Minor differences of ₹1–5 per month from your bank statement are due to rounding of disbursement date. Our calculator matches within 0.01% of the actual EMI for any standard loan.
What makes a Step-Up SIP better than a regular SIP?
A regular SIP invests the same amount every month. A Step-Up (or Top-Up) SIP increases your monthly contribution by a fixed % or amount each year — typically in line with your annual salary increment. Since compounding works on a growing base, a step-up SIP can generate 30–60% more wealth over 20 years compared to a flat SIP with the same initial amount. Our calculator lets you model both scenarios simultaneously.
Who qualifies for gratuity and how is the 5-year rule applied?
Under the Payment of Gratuity Act 1972, any employee who has completed 5 continuous years of service with the same employer qualifies. The Supreme Court has clarified that 4 years and 240+ days counts as 5 years for the purpose of this Act. Gratuity = (Last Basic + DA) × 15 × Years ÷ 26. The maximum tax-exempt limit is ₹20 lakh. Government employees follow a separate, slightly different formula.
Old tax regime vs new tax regime — which should I choose for AY 2025-26?
The new regime offers lower slab rates but removes deductions like 80C, 80D, and HRA. A general rule: if your total eligible deductions exceed ₹3.75 lakh (for income ≈₹10 lakh), the old regime saves more tax. For income above ₹15 lakh with deductions under ₹4.5 lakh, the new regime often wins. Use our Income Tax Calculator to compare your exact numbers — it computes both simultaneously.
What is SSY and how is the maturity value calculated?
Sukanya Samriddhi Yojana (SSY) is a government-backed small savings scheme for the girl child, currently offering 8.2% interest compounded annually. Deposits are made for 15 years from account opening; the account matures 21 years from opening. Annual deposits range from ₹250 to ₹1.5 lakh. The entire corpus — principal + interest — is tax-free under EEE (Exempt-Exempt-Exempt) status. Our calculator shows a year-by-year balance table.
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