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Financial calculators

Work out what something actually costs before you commit to it. Every calculator runs in your browser, with no sign-up and no data sent anywhere.

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Every calculator on this page runs entirely in your browser. Nothing you enter is sent to a server, stored in a database, or shared with anyone. You can use them as many times as you like, with no account and no sign-up.

The numbers behind each calculator follow the standard formulas Indian banks use. EMI is computed using the reducing balance method, SIP projections use monthly compounding, and FD maturity accounts for the compounding frequency you choose. The results match what a bank would quote, because the maths is the same.

The PPF, Sukanya Samriddhi, NSC, KVP, SCSS and Post Office calculators start at this quarter's government rates. All of them are on one page: small savings interest rates.

Loans

What will my home loan EMI be?Home Loan EMI CalculatorOpenWhat will my EMI be on any loan?EMI CalculatorOpenHow much loan can I get on my salary?Loan Eligibility CalculatorOpenWhat will my personal loan cost me?Personal Loan EMI CalculatorOpenWhat will my car loan EMI be?Car Loan EMI CalculatorOpenHow much do I save by prepaying my loan?Loan Prepayment CalculatorOpenWhat will my education loan cost after the moratorium?Education Loan CalculatorOpen

Investing

What will my SIP grow to?SIP CalculatorOpenHow much more do I get if I raise my SIP every year?Step-Up SIP CalculatorOpenHow long will my money last if I withdraw every month?SWP CalculatorOpenHow much do I need to retire, and how much should I invest?Retirement CalculatorOpenHow much should I invest each month for a goal?Goal PlannerOpenWhat will my fixed deposit be worth?FD CalculatorOpenWhat will a one-time investment grow to?Lumpsum CalculatorOpenHow much will my money grow with compound interest?Compound Interest CalculatorOpenHow much simple interest will I earn or pay?Simple Interest CalculatorOpenWhat yearly return did my investment make?CAGR CalculatorOpenWhat will things cost in the future?Inflation CalculatorOpenWhat will my recurring deposit be worth?RD CalculatorOpenWhat will my PPF account be worth in 15 years?PPF CalculatorOpenHow much will my daughter's SSY account be worth?Sukanya Samriddhi Yojana CalculatorOpenWhat will my National Savings Certificate be worth after 5 years?NSC CalculatorOpenWhen will my Kisan Vikas Patra double?Kisan Vikas Patra CalculatorOpenHow much monthly income will the Post Office MIS pay me?Post Office MIS CalculatorOpenHow much will my PF be when I retire?EPF CalculatorOpenHow much interest will SCSS pay me every quarter?Senior Citizens Savings Scheme CalculatorOpenWhat will my Post Office recurring deposit be worth in 5 years?Post Office RD CalculatorOpenHow much interest will a Post Office time deposit pay me?Post Office Time Deposit CalculatorOpen

Credit Cards

What does paying only the minimum cost me?Credit Card Interest CalculatorOpenIs no-cost EMI really free?No-Cost EMI Reality CheckerOpenIs my credit card's annual fee worth the rewards?Credit Card Rewards CalculatorOpenWill my rewards cover the annual fee?Is This Card Worth Its Fee?OpenWhat will my card charge on foreign spends?Forex Markup CalculatorOpen

Tax

How much GST is in this price?GST CalculatorOpenOld or new regime: which saves me more tax?Income Tax CalculatorOpenHow much of my CTC do I take home each month?CTC to In-Hand Salary CalculatorOpenHow much of my HRA is tax free?HRA Exemption CalculatorOpenHow much gratuity will I get when I leave?Gratuity CalculatorOpen

Why it matters

Check the real cost before you commit

A loan officer quotes an interest rate. A credit card statement shows a minimum due. A mutual fund advertises past returns. None of these tells you what you will actually pay or earn, because the answer depends on compounding, tenure, fees and how much you put in each month.

The home loan EMI calculator shows that a Rs 50 lakh loan at 8.5% for 20 years costs Rs 43,391 per month and Rs 54 lakh in total interest. The SIP calculator shows that Rs 10,000 a month at 12% for 10 years grows to Rs 23.2 lakh, of which Rs 11.2 lakh is returns. The credit card interest calculator shows that paying only the minimum due on a Rs 1 lakh balance takes over 10 years to clear and costs more than the original amount in interest.

These are not guesses. They are the same formulas banks use, computed instantly and privately. Use them to compare what a lender offers against what it actually costs, before you sign anything.

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