Financial calculators for India
Fast, free and private tools for the money questions salaried Indians actually ask. Everything runs in your browser — your numbers never leave your device.
Salary
Take-Home SalaryTurn your CTC into real monthly in-hand pay — with PF, gratuity, professional tax and income tax broken down.GratuityYour gratuity under the 15/26 formula — Act coverage, the service-rounding rule, the ₹20 lakh cap and tax treatment, all handled.Salary HikeTurn a hike % into the new salary (or decode the % from two offers) — and see what it is really worth after inflation.
Tax
Investment
SIPProject your mutual-fund SIP corpus with a year-by-year growth chart, step-up and goal planning.LumpsumSee what a one-time mutual-fund investment could grow to, with a year-by-year growth chart at your assumed return.NPSProject your NPS corpus to 60 and what follows — lump sum, annuity, monthly pension, and the 60% tax-free line under the new 80/20 exit rules.CAGRTurn any before-and-after into an honest yearly growth rate — and see through the “300% returns!” headlines.SIP vs LumpsumThe same money invested at once vs spread as a SIP — an honest side-by-side of what the math says and what it can’t.RetirementYour real retirement number — expenses inflated to 60, the corpus that funds 25 years of them, and the SIP that builds it.
Loan
EMI / LoanCalculate your loan EMI, total interest and amortization schedule — with a prepayment planner that shows interest saved.Home LoanHome loan EMI with the full 20-year picture — total interest, tax breaks, prepayment savings and an amortization schedule.Car LoanCar loan EMI on the on-road price — with the honest arithmetic of financing an asset that only loses value.Personal LoanPersonal loan EMI at real unsecured rates — and the flat-vs-reducing trap that makes 12% quietly cost 21%.
Savings & Deposits
Fixed DepositFixed deposit maturity value with quarterly compounding — cumulative or monthly-income payout, for any bank’s rate.Recurring DepositSee your recurring deposit’s maturity — monthly savings compounded quarterly with the exact bank and post-office formula.PPFSee your Public Provident Fund grow year by year at the government-notified rate — 15-year maturity, 5-year extensions, all of it tax-free.SSYProject your daughter’s SSY account — 15 deposit years, 21-year tax-free maturity, at the highest small-savings rate.
Everyday
Compound InterestCompound and simple interest side by side — any rate, yearly to monthly compounding, with a year-by-year growth chart.InflationSee what today’s money will cost — and what it will still buy — years from now, at any assumed inflation rate.GSTAdd GST to a price or peel it out of an MRP — on the new 5/18/40 slabs, with the CGST/SGST split shown.