Financial calculators for India
Fast, free tools for the money questions salaried Indians actually ask. Calculations run in your browser. The page URL includes the numbers you enter so you can reopen or share a result.
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.