Finance Calculators

Free online finance calculators for EMI, SIP, GST, income tax, PPF, FD, mortgage, and 75+ more. Instant results for loan planning, investment returns, and tax savings. No signup required.

EMI Calculator Calculate home loan, car loan & personal loan EMI instantly. Get monthly EMI, total interest paid, and full amortizat... SIP Calculator Calculate SIP returns, wealth gained, and future value of your mutual fund investments. See the power of compounding ... GST Calculator Calculate GST amount with CGST, SGST, and IGST breakdown for any rate (5%, 12%, 18%, 28%). Add or remove GST from any... Tax Regime Comparison Calculator Compare Old vs New income tax regime for FY 2025-26. Find out which regime saves you more tax with deductions like 80... Compound Interest Calculator Calculate compound interest with daily, monthly, quarterly, or annual compounding. See how money grows over time with... Income Tax Calculator Calculate income tax for FY 2025-26 under old and new tax regime. Includes 80C, 80D, HRA, standard deduction. Free in... PPF Calculator Calculate PPF maturity amount, total interest earned, and year-wise balance for your Public Provident Fund account. F... Fixed Deposit Calculator Calculate Fixed Deposit maturity amount, total interest, and returns for any compounding frequency. Compare FD rates ... Mortgage Calculator Calculate home loan mortgage EMI, total interest, and amortization schedule. Compare loan offers from different banks... Salary Hike Calculator Calculate your salary hike percentage and new CTC after appraisal. Compare old vs new salary, see monthly take-home i... In-Hand Salary Calculator Calculate your monthly in-hand (take-home) salary from CTC. Includes PF, professional tax, income tax TDS, and HRA de... Sovereign Gold Bond (SGB) Calculator Calculate Sovereign Gold Bond (SGB) maturity value, semi-annual interest income, and returns compared to physical gol... F&O Turnover Calculator Calculate Futures & Options (F&O) turnover for income tax purposes. Compute turnover from profit, loss, and premium f... Presumptive Tax Calculator (44AD/44ADA) Calculate presumptive tax under Section 44AD and 44ADA. Estimate tax liability for businesses and professionals with ... Pre-GST Price Calculator Reverse-calculate the pre-GST price from a GST-inclusive amount. Supports 5%, 12%, 18%, and 28% GST slabs with CGST/S... Simple Interest Calculator Calculate simple interest, total amount payable, and monthly interest for any loan or investment. Free simple interes... ROI Calculator Calculate return on investment (ROI) for any investment. Enter cost and revenue to see percentage return, annualized ... Recurring Deposit Calculator Calculate Recurring Deposit maturity amount and total interest earned for monthly deposits. Free RD calculator for al... Car Loan EMI Calculator Free online car loan emi calculator. Instant results, no signup. Inflation Calculator Calculate the impact of inflation on purchasing power. Find future value of today\ CAGR Calculator Calculate CAGR (Compound Annual Growth Rate) for investments, revenues, and portfolios. Compare investment performanc... SWP Calculator Free online swp calculator. Instant results, no signup. Lumpsum Investment Calculator Free online lumpsum investment calculator. Instant results, no signup. NPS Calculator Free online nps calculator. Instant results, no signup. Gratuity Calculator Free online gratuity calculator. Instant results, no signup. HRA Exemption Calculator Free online hra exemption calculator. Instant results, no signup. Credit Card Payoff Calculator Free online credit card payoff calculator. Instant results, no signup. Loan Prepayment Calculator Calculate how much interest you save by prepaying your loan. Compare loan tenure reduction vs EMI reduction with lump... Step-up SIP Calculator Free online step-up sip calculator. Instant results, no signup. Savings Goal Calculator Calculate the monthly savings needed to reach your financial goal. Factor in time horizon, expected returns, and exis... Capital Gains Tax Calculator Free online capital gains tax calculator. Instant results, no signup. TDS Calculator Free online tds calculator. Instant results, no signup. EPF Calculator Free online epf calculator. Instant results, no signup. Loan Eligibility Calculator Free online loan eligibility calculator. Instant results, no signup. Sukanya Samriddhi Calculator Free online sukanya samriddhi calculator. Instant results, no signup. Retirement Corpus Calculator Free online retirement corpus calculator. Instant results, no signup. Goal-based SIP Calculator Calculate the SIP amount needed to reach a target corpus. Factors in step-up SIP, expected returns, and investment ti... Tax Saving Calculator Plan your tax-saving investments under Section 80C, 80D, 80CCD, and other deductions. See exact tax saved across old ... Advance Tax Calculator Calculate advance tax liability and due dates for each quarter. Know if you need to pay advance tax based on your tot... CTC Breakup Calculator Break down your CTC into take-home salary, basic pay, HRA, PF, gratuity, and other components. Understand your actual... FIRE Calculator Calculate your FIRE (Financial Independence, Retire Early) number. Know how much corpus you need and years to reach f... Debt Avalanche Calculator Create a debt payoff plan using the avalanche method. Pay off highest-interest debt first to minimize total interest ... Emergency Fund Calculator Calculate how large your emergency fund should be based on monthly expenses, dependents, and job stability. Get a sav... Rent vs Buy Calculator Compare renting vs buying a home with total cost analysis. Factors in EMI, maintenance, tax benefits, rent inflation,... Car Lease vs Buy Calculator Compare leasing vs buying a car in India. Analyze total cost including EMI, depreciation, maintenance, insurance, and... Home Down Payment Calculator Calculate the ideal down payment for your home purchase. See how different down payment amounts affect EMI, interest ... Loan Comparison Calculator Compare multiple loans side by side — EMI, total interest, and total cost. Find the best loan offer by comparing rate... Loan Refinance Calculator Calculate potential savings from refinancing your loan. Compare current vs new rate with break-even analysis includin... Credit Utilization Calculator Calculate your credit utilization ratio and understand its impact on CIBIL score. Know the ideal usage percentage for... Insurance Need Calculator Calculate how much life insurance cover you actually need based on income, debts, dependents, and future goals like e... NPV & IRR Calculator Calculate Net Present Value (NPV) and Internal Rate of Return (IRR) for business projects. Evaluate investment viabil... Bond Yield Calculator Calculate bond yield to maturity (YTM), current yield, and price. Analyze government and corporate bonds for fixed-in... Options Profit Calculator Calculate options trading profit/loss for calls and puts. See breakeven price, max profit, max loss, and payoff diagr... Forex Pip Calculator Calculate forex pip value in INR or any currency. Determine profit/loss per pip movement for different lot sizes and ... Portfolio Rebalance Calculator Rebalance your investment portfolio to target allocation. See exactly how much to buy or sell in each asset class to ... Asset Allocation Calculator Get a recommended asset allocation based on your age, risk tolerance, and investment goal. See suggested equity-debt-... Monte Carlo Simulator Run Monte Carlo simulations on your investment portfolio. See the probability of reaching your goal under thousands o... Inflation-Adjusted Goal Calculator Calculate inflation-adjusted future cost of any financial goal. See what today's expense will actually cost in 5, 10,... Business Loan Calculator Calculate business loan EMI, eligibility, and total cost. Compare MSME loan options across banks with processing fee ... GST Invoice Generator Generate GST-compliant invoices with CGST, SGST, and IGST breakup. Supports multiple line items, HSN codes, and diffe... ESOP Tax Calculator Calculate tax on ESOPs at exercise and sale. Understand perquisite tax, capital gains tax, and optimal timing for exe... Freelancer Tax Calculator Calculate income tax for freelancers and self-employed professionals in India. Includes presumptive taxation (44ADA) ... TCS on Remittance Calculator Calculate TCS on foreign remittances under LRS. Know the tax collected at source for overseas education, travel, and ... Section 80C Calculator Plan your Section 80C investments to maximize ₹1.5 lakh deduction. Compare ELSS, PPF, NPS, and other eligible instrum... HRA vs Home Loan Calculator Compare tax benefits of HRA exemption vs home loan deductions. Find out if you can claim both simultaneously under In... Leave Encashment Calculator Calculate leave encashment amount and tax exemption for government and private sector employees. Covers retirement an... Home Loan Tax Benefit Calculator Calculate home loan tax benefits under Section 24(b) and 80C. See total tax savings on principal repayment and intere... Indexed Cost of Acquisition Calculator Calculate indexed cost of acquisition using CII (Cost Inflation Index) for long-term capital gains tax. Reduce your L... Digital Gold vs SGB vs Gold ETF Calculator Compare Digital Gold vs Sovereign Gold Bond (SGB) vs Gold ETF. See which gold investment gives the best returns after... Rental Yield Calculator Calculate rental yield on your property investment. Compare gross and net rental yields to evaluate if your property ... Break-even Calculator Calculate break-even point in units and revenue. Know how many sales you need to cover fixed and variable costs for y... Net Worth Calculator Calculate your personal net worth by listing all assets and liabilities. Track your financial health over time with a... Dividend Yield Calculator Calculate dividend yield and annual income from stocks. Compare stocks by dividend payout and see effective post-tax ... Gold Investment Calculator Compare gold investment options in India — physical gold, Gold ETF, Sovereign Gold Bonds, and digital gold. Calculate... Profit & Loss Calculator Calculate trading profit or loss on stocks with brokerage, STT, stamp duty, and all charges. See actual net profit af... Stock Return Calculator Calculate total stock return including dividends and price appreciation. See CAGR, absolute return, and dividend rein... Mutual Fund Returns Calculator Calculate mutual fund returns with CAGR, XIRR, and absolute return. Compare lump-sum vs SIP returns across different ... XIRR Calculator Calculate XIRR for SIP or irregular investments. Get the true annualized return when investment amounts and dates vary. Balance Transfer Calculator Calculate savings from home loan balance transfer to a lower interest rate. Includes processing fees and break-even a... Senior Citizen Savings Calculator Calculate SCSS maturity amount and quarterly interest income. Senior Citizen Savings Scheme interest rates, limits, a... ELSS Returns Calculator Calculate ELSS mutual fund returns with tax savings factored in. Compare ELSS effective returns vs PPF, FD, and other... NSC Calculator Calculate NSC maturity value and yearly interest accrual. National Savings Certificate returns, tax benefits, and com... APY Calculator Calculate Atal Pension Yojana monthly contribution and pension amount. Compare pension tiers from ₹1,000 to ₹5,000 pe... Brokerage Calculator Calculate stock brokerage charges, STT, and all regulatory fees for NSE/BSE trades. Compare costs across discount and... Salary Comparison Calculator Compare two salary offers after tax, PF, HRA, and all deductions. See which CTC gives a higher actual in-hand salary.

How to use these calculators well

Finance tools should help you compare scenarios before you commit to a lender, tax choice, or investment product. Use these calculators to test assumptions, then verify the final numbers with the institution that will actually process the decision.

Compare more than one rate, tenure, or return assumption before trusting a single output.
Check whether the calculator result is pre-tax or post-tax before using it in a plan.
Treat product rules, slab rates, and lender policies as changeable; confirm important outcomes with the latest official source.

How we review this category

Finance calculators are reviewed against published formulas and official rule sets where relevant, including bank product documentation, RBI guidance, and Indian tax references. They are planning tools, not personal financial advice.

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Editorial note: Read our Editorial Policy to see how Calc Labz validates formulas, examples, and updates.

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About Our Finance Calculators (85+ Free Tools)

Finance is the most critical area where accurate calculations directly impact your wealth. From ₹50 lakh home loans where a 0.25% rate difference saves ₹3+ lakhs, to SIP returns where early investing by 5 years can double your corpus, financial precision matters. Our finance calculators cover loans (EMI, mortgage, car loan, personal loan), investments (SIP, lumpsum, CAGR, SWP, XIRR), taxation (income tax, GST, TDS, capital gains, advance tax), retirement (NPS, PPF, EPF, FIRE, gratuity), and specialized Indian tools (Section 80C, HRA, SSY, SCSS). Every calculator is updated for FY 2025-26 with the latest tax slabs, interest rates, and RBI guidelines.

What Sets Our Calculators Apart

✅ Updated for FY 2025-26 tax slabs and rates
✅ India-specific: GST, TDS, EPF, NPS, SCSS, SSY
✅ ₹ INR calculations with realistic Indian scenarios
✅ Compare old vs new tax regime instantly
✅ 100% free — no signup, no hidden costs
✅ Works offline as a Progressive Web App
✅ Mobile-friendly responsive design
✅ Privacy-first: calculations run locally in your browser

Maintained by: Sagar Sahni, Calc Labz

Last updated: May 2026 · Total calculators: 85+

All calculators use validated formulas and are regularly updated. Results are for informational purposes — consult a professional for critical decisions.

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