Finance Calculators

Free calculators for everyday money decisions in India: loan EMIs, SIP returns, income tax under both regimes for FY 2026-27, GST, in-hand salary, interest, margins and discounts. Each tool shows its formula and worked examples.

EMI CalculatorMonthly EMI, total interest and schedule.SIP CalculatorFuture value of monthly SIP investments.GST CalculatorAdd or remove GST with CGST/SGST split.Salary CalculatorCTC to monthly in-hand salary.Loan CalculatorMonthly payment and total cost of a loan.Compound Interest CalculatorGrowth with yearly, quarterly or monthly compounding.Simple Interest CalculatorInterest and total from P, R and T.Profit Margin CalculatorProfit, margin % and markup %.Discount CalculatorFinal price and savings after a discount.Tip CalculatorTip amount and per-person split.Income Tax CalculatorIncome tax under new vs old regime.Mortgage CalculatorHome-loan payment from price and down payment.

Which finance calculator do you need?

Your questionUse this
What will my monthly home, car or personal loan instalment be?EMI Calculator
Which of two loan offers is actually cheaper?Loan Calculator
How much should I put down on a flat, and what will I pay each month?Mortgage Calculator
What could my monthly mutual fund investment grow to?SIP Calculator
How much will my FD or lump sum be worth?Compound Interest Calculator
Which tax regime saves me more this year?Income Tax Calculator
What is my take-home pay from this CTC offer?Salary Calculator
How much GST is in this price, or what should the invoice total be?GST Calculator
Am I pricing my products for the margin I want?Profit Margin Calculator

Three money rules these calculators make clear

1. Time matters more than the exact amount

Compounding rewards starting early. ₹5,000 a month at an assumed 12% grows to about ₹11.6 lakh in 10 years but about ₹1.76 crore in 30 years, even though you invest only three times as much. The SIP Calculator shows the year-by-year curve.

2. Loan tenure is expensive

Stretching a ₹30 lakh home loan at 8.5% from 20 to 25 years lowers the EMI by under ₹1,900 but adds about ₹10 lakh in interest. Prepaying even small amounts early in the loan saves far more than prepaying near the end.

3. Compare total cost, not headline rates

Processing fees, flat-rate quotes, card forex markups and “no-cost EMI” conditions can make a lower advertised rate the more expensive option. Our loan and discount tools show the true total cost.

How we keep these calculators accurate

Tax slabs, rebates and GST rates are checked against official sources (the Income Tax Department, CBIC and Union Budget documents) and updated when rules change. The current version reflects FY 2026-27 income-tax rules and the GST rate structure in force since 22 September 2025. Loan and investment calculators use the standard formulas used by Indian banks and AMFI. See our editorial policy for how we review and test each tool.

These calculators give estimates for planning and learning. They are not financial, tax or investment advice. For decisions involving large sums, speak to a SEBI-registered investment adviser or a chartered accountant.