Calculators
Financial calculators that don't waste your time
28 free calculators for investing, loans, retirement and everyday money decisions. No sign-up, no ads-first nonsense — enter your numbers and see the answer instantly, with the maths shown.
Investing
SIP Calculator
Free SIP calculator. Enter your monthly amount, expected return and time period to see the maturity value, how much you invested and how much the market added.
Lumpsum Investment Calculator
Invest once, leave it alone. See what a one-time lumpsum grows to at any return rate and time period, and how much of the final figure is pure compounding.
Compound Interest Calculator
Calculate compound interest with any compounding frequency, with or without regular top-ups. See the year-by-year balance and exactly how much the interest earned.
CAGR Calculator
Work out the compound annual growth rate between any two values. The honest way to compare investments held for different lengths of time.
Step-up SIP Calculator
See how much more you build by increasing your SIP a fixed percentage every year. A step-up SIP grows with your income and often beats chasing higher returns.
ROI Calculator
Work out your return on investment as both a total percentage and an annualised rate, so you can compare investments held for different lengths of time.
Money Doubling Calculator (Rule of 72)
See how many years it takes to double your money at any return rate, using both the Rule of 72 shortcut and the exact figure.
Loans
EMI Calculator
Calculate the EMI on any home, car or personal loan. See the monthly payment, the total interest you will pay, and a year-by-year breakdown of principal versus interest.
Loan Prepayment Calculator
See exactly how much interest you save and how many years you cut off your loan by paying a little extra each month or a lump sum today.
Debt
Planning
Goal SIP Calculator
Name your target and your deadline. This calculator works backwards to the exact monthly investment you need, adjusted for inflation if you want.
Retirement Calculator
Work out how large a retirement corpus you need to fund your expenses, adjusted for inflation, and the monthly investment required to build it.
Inflation Calculator
See what a sum of money will be worth in the future after inflation, and what a future amount is worth in today's terms. The reality check for every long-term plan.
Emergency Fund Calculator
Work out the right emergency fund for your situation based on real monthly commitments, job stability and dependants — and how long it takes to build.
SWP Calculator
Systematic Withdrawal Plan calculator. See how long an investment corpus lasts when you withdraw a fixed amount every month while the balance keeps earning.
Net Worth Calculator
Add up your assets and subtract your debts to find your net worth. The single number that tracks whether you are actually getting wealthier.
Savings Rate & FIRE Calculator
Find your savings rate and how many years it takes to reach financial independence (25× your annual expenses) at your current pace.
NPS Calculator
Estimate your National Pension System corpus at retirement, the tax-free lump sum, and the monthly pension your annuity could pay.
Savings
FD Calculator
Calculate the maturity amount and interest on a fixed deposit at any rate, tenure and compounding frequency. Includes the real return after inflation.
RD Calculator
Calculate the maturity value and interest on a recurring deposit. Enter your monthly deposit, interest rate and tenure to see what your RD grows into.
Simple Interest Calculator
Calculate simple interest on any principal, rate and time period. See the interest and the total, and how it differs from compound interest.
Effective Interest Rate (APY) Calculator
Convert a nominal interest rate into its effective annual yield (APY) for any compounding frequency, and see exactly how much compounding adds.
Property
Rent vs Buy Calculator
Compare renting and investing the difference against buying with a home loan. Accounts for interest, maintenance, appreciation and rent increases.
Home Affordability Calculator
Find the home price you can realistically afford based on your income, existing EMIs, loan rate, tenure and down payment — without overstretching.
Income
Freelance Rate Calculator
Work out the hourly rate you need to charge as a freelancer once you account for unpaid time, holidays, expenses, tax and the benefits you no longer get.
Gratuity Calculator
Calculate the gratuity payable when you leave a job, based on your last drawn salary and years of service, using the statutory 15/26 formula.
Income Tax Calculator (FY 2025-26)
Work out your income tax for FY 2025-26 (AY 2026-27) under the new and old regimes — with standard deduction, Section 87A rebate, surcharge and 4% cess, and your take-home pay.
GST Calculator
Free GST calculator for India. Add GST to a price or extract it from a GST-inclusive amount at 5%, 12%, 18% or 28% — with the CGST + SGST split and the inter-state IGST figure.