India Financial Calculators

Calculate your guaranteed monthly pension under Atal Pension Yojana based on your age and chosen pension amount. See the contribution needed to receive ₹1,000–₹5,000/month after 60.

Calculate the Compound Annual Growth Rate of any investment in India. Enter the initial value, final value, and time period to find CAGR and compare investment performance.

Estimate returns from Indian debt mutual fund investments. Compare FD-like returns with better post-tax efficiency and model growth for short, medium, and long-term horizons.

Calculate returns and tax savings from Equity Linked Savings Scheme investments. See how ₹1.5 lakh annual investment saves tax under Section 80C while building long-term wealth.

Calculate your Employee Provident Fund balance and maturity amount. Enter monthly salary, contribution rate, and service years to see your EPF corpus and interest earned.

Project returns from SIP or lump-sum investments in Indian equity mutual funds. Model growth at historical and expected CAGR rates over 1 to 30-year investment horizons.

Estimate returns from balanced and hybrid mutual funds that invest in both equity and debt. Model growth across different equity-debt allocation ratios for your risk profile.

Calculate returns from Nifty 50, Sensex, and other Indian index fund investments. Compare low-cost index investing against actively managed fund returns over time.

Calculate the real (inflation-adjusted) return on any Indian investment. See the true purchasing power of your corpus after factoring in India's historical inflation rate.

Calculate how long it takes to double your investment under Kisan Vikas Patra. See the maturity amount and effective annual return for any investment amount.

Calculate your NPS corpus and estimated monthly pension at retirement. Model Tier I contributions, asset allocation across equity/debt/government securities, and annuity rates.

Calculate the annual premium, coverage, and cost-benefit of PMJJBY life insurance. See whether the ₹436/year scheme provides adequate life cover for your family's needs.

Calculate coverage and value from the PMSBY accident insurance scheme at ₹20/year. See the accidental death and disability cover relative to your annual premium.

Calculate the maturity amount of your Public Provident Fund investment. Model annual contributions, compounding, and the impact of Section 80C tax exemption over the full 15-year lock-in.

Calculate the real, after-inflation return on any Indian investment. Find out the true growth in purchasing power after subtracting India's inflation rate from nominal returns.

Calculate quarterly interest income and maturity amount from SCSS. Model returns for investment up to ₹30 lakh at the current government interest rate for senior citizens.

Calculate the wealth created through Systematic Investment Plans. Enter monthly SIP amount, expected annual return, and tenure to see your corpus and total returns.

Calculate the maturity amount for your daughter's Sukanya Samriddhi Yojana account. Model annual deposits, compound interest, and tax-free maturity under this government scheme.

Calculate returns from a Step-Up SIP where you increase your monthly investment each year. Model the wealth-building impact of annual SIP top-ups aligned with salary increments.

Calculate your daughter's Sukanya Samriddhi account balance and maturity value. See annual interest earned, total deposits over 15 years, and the tax-free maturity amount.

Calculate how long a mutual fund corpus lasts with a Systematic Withdrawal Plan. Enter corpus, monthly withdrawal, and expected return to see your fund's sustainability timeline.

Calculate tax savings through strategic selling of loss-making equity investments to offset LTCG. Optimize your portfolio for the ₹1 lakh LTCG exemption limit each financial year.

Calculate the Extended Internal Rate of Return (XIRR) for irregular SIP investments. Get an accurate annualised return figure for any mutual fund portfolio with variable cash flows.

Calculate monthly EMI, total interest, and repayment schedule for any Indian business loan. Compare interest rates from banks and NBFCs to find the most affordable financing.

Calculate monthly EMI and total cost of a car loan in India. Enter loan amount, interest rate, and tenure to see your payment schedule and total interest paid to the bank.

Calculate EMI for Indian education loans including moratorium period and repayment phase. See total interest and plan repayment for domestic or overseas higher education financing.

Calculate Equated Monthly Instalment for any loan in India. Enter principal, interest rate, and tenure to get your monthly EMI, total interest, and complete amortisation schedule.

Calculate your gold loan eligibility, monthly interest, and total repayment cost. Estimate how much you can borrow against your gold jewellery from Indian banks and NBFCs.

Calculate EMI and total interest for a Loan Against Property in India. Estimate maximum LAP eligibility based on property value and LTV ratio offered by your lender.

Check your maximum home loan eligibility based on income, existing obligations, and lender norms. Find out how much a bank will lend you at current interest rates.

Calculate monthly EMI, total interest payable, and full repayment cost for any Indian personal loan. Compare rates from top banks and NBFCs to find the best deal.

Calculate monthly EMI and total cost of financing a bike or scooter in India. Compare two-wheeler loan rates from banks and see your complete repayment schedule.

Calculate EMI and total repayment cost for any vehicle loan in India. Covers cars, bikes, commercial vehicles, and electric vehicles financed by Indian banks or NBFCs.

Estimate two-wheeler insurance premium for your bike or scooter. Compare own damage and third-party cover costs, and find the best comprehensive policy under IRDAI norms.

Calculate your statutory bonus under the Payment of Bonus Act. See how the 8.33%–20% bonus is computed on basic salary and dearness allowance for eligible Indian employees.

Build a zero-based monthly budget aligned with Indian living costs. Allocate income across rent, groceries, EMIs, savings, and discretionary spending to take control of your finances.

Calculate short-term and long-term capital gains tax on stocks, mutual funds, and property in India. Apply correct STCG and LTCG rates with the latest indexation benefits.

Estimate car insurance premium for comprehensive and third-party cover. Calculate own damage cost based on IDV, NCB discount, and add-on covers under IRDAI guidelines.

Plan the corpus needed for your child's higher education in India or abroad. Factor in education inflation, current savings, and monthly SIP to reach your target amount.

Calculate your ideal emergency fund based on monthly expenses and job security. See how many months of expenses to hold in liquid savings and time to build the fund.

Estimate health insurance premium for individuals and families based on age, sum insured, and cover type. Compare the cost of top Indian health insurers under IRDAI rates.

See how India's inflation erodes the purchasing power of your money over time. Calculate the future price of goods and find the savings rate needed to beat inflation.

Calculate how much life insurance cover you need based on income, liabilities, and dependents. Find the right sum assured under the Human Life Value or income replacement method.

Calculate maturity amount and time to double investment in Kisan Vikas Patra. See effective annual yield and compare KVP against other India Post and bank savings options.

Calculate term life insurance premium for your age, cover amount, and policy term. Compare pure term plan costs from leading Indian insurers to find the best coverage.

Calculate the future value of a one-time lump sum investment in Indian mutual funds or stocks. See wealth created at different CAGR rates over your investment horizon.

Estimate total wedding expenses and plan a savings corpus for your marriage. Factor in inflation and set monthly savings targets to fund the wedding you envision.

Calculate returns on mutual fund SIP or lump sum investments. Compare direct vs regular plan returns and see the impact of expense ratios on long-term wealth creation.

Calculate your total net worth by listing Indian assets (FDs, equity, real estate, gold, EPF) minus all liabilities. Track financial progress and plan for long-term wealth.

Calculate maturity amount and interest earned on National Savings Certificates. See compounded interest year by year and the effective post-tax return for Indian taxpayers.

Compare returns across Post Office savings schemes including MIS, TD, RD, SCSS, PPF, NSC, and KVP. Find which scheme best suits your income, tenure, and risk preferences.

Calculate your HRA exemption and the tax benefit of paying rent. Find how much you save in income tax using the HRA exemption rules under old tax regime for salaried employees.

Calculate gross and net rental yield on Indian residential and commercial property. Compare property investment returns against FD and mutual fund alternatives.

Calculate your new take-home salary after an increment or promotion. See the change in gross salary, PF contribution, income tax, and net in-hand amount after your hike.

Calculate the monthly SIP or lump sum needed to reach any financial goal in India. Set a target amount, timeline, and expected return to find your required monthly savings.

Calculate pension income, SCSS returns, and post-retirement financial sustainability for Indian senior citizens. Plan withdrawals to make your retirement corpus last.

Calculate returns from 5-year tax-saving Fixed Deposits. See maturity amount, Section 80C deduction benefit, and post-tax return after TDS for Indian taxpayers.

Calculate and compare term insurance premiums from top Indian insurers. Find the right sum assured and tenure for pure protection at the lowest annual cost.

Calculate projected returns from Unit Linked Insurance Plans. Compare ULIP growth across fund options and see net returns after mortality charges, fund management, and premium allocation.

Find the maximum home loan you can afford based on your monthly income and existing EMIs. Check if your preferred property is within reach at current interest rates.

Calculate the complete cost of buying a home in India including stamp duty, registration, GST, brokerage, and legal fees. Avoid surprise expenses with a full cost breakdown.

Calculate monthly home loan EMI, total interest payable, and the full repayment schedule for any Indian housing loan. Compare rates from SBI, HDFC, ICICI, and other lenders.

Project the future value of your property based on historical appreciation rates for Indian cities. Compare real estate returns against inflation and financial market alternatives.

Estimate annual property tax for your house or flat in major Indian cities. Calculate based on annual ratable value, carpet area, or capital value depending on your municipality.

Calculate dividend income and total returns from Indian Real Estate Investment Trusts. Compare REIT yields against direct property investment and traditional fixed income.

Calculate income tax on rental income from Indian property. Apply the 30% standard deduction for repairs, deduct home loan interest, and find your net taxable rental income.

Calculate stamp duty and registration charges for property purchase in any Indian state. Find the total registration cost before finalising your real estate transaction.

Calculate the monthly annuity pension you can buy with any retirement corpus. Compare annuity rates from Indian life insurers and model income sufficiency through retirement.

Calculate your gratuity amount under the Payment of Gratuity Act. See the exact gratuity payable based on last drawn basic salary and years of service for any Indian employer.

Estimate monthly pension for central and state government employees under the Old Pension Scheme (OPS) and National Pension System (NPS). Compare both schemes side by side.

Calculate the corpus needed for retirement in India and whether your current savings are on track. Model inflation, post-retirement income, and withdrawal sustainability over 25+ years.

Calculate your VRS payout, tax exemption, and net amount receivable. See the gratuity, leave encashment, and ex-gratia components under the Indian VRS or golden handshake.

Calculate your statutory and performance bonus as an Indian employee. See the bonus amount based on basic salary, DA, and your employer's policy under the Payment of Bonus Act.

Break down your CTC (Cost to Company) into gross salary, PF contributions, professional tax, TDS, and net in-hand pay. Understand exactly what you take home from your CTC.

Calculate the exact gratuity amount payable to an employee on resignation, retirement, or termination. Uses the Payment of Gratuity Act formula based on last salary and service.

Calculate the House Rent Allowance exemption from income tax. Find the minimum of actual HRA, 50%/40% of basic salary, and excess rent paid to determine your HRA deduction.

Calculate leave encashment amount and tax liability at resignation or retirement. See how many days of earned leave can be encashed and the tax-exempt portion under the Income Tax Act.

Calculate overtime wages for Indian employees under the Factories Act and applicable state labour laws. See your overtime rate and total earnings for any extra hours worked.

Calculate your monthly take-home (in-hand) salary after all deductions. Enter gross salary to see PF, ESIC, professional tax, TDS, and other deductions with net pay.

Calculate your advance tax liability and quarterly instalment amounts (June, September, December, March). Avoid the Section 234B/234C interest penalty with accurate advance tax planning.

Add or remove Indian GST at standard 18% or reduced 5% rate for invoicing and procurement.

Add or subtract GST from any price for all Indian GST slab rates (5%, 12%, 18%, 28%). Instantly calculate CGST, SGST, and IGST components for any business or personal transaction.

Calculate income tax under the new and old tax regimes for FY 2024-25. Compare tax liability, apply deductions and exemptions, and find which regime saves you more money.

Calculate Long-Term Capital Gains tax on equity, mutual funds, and property in India. Apply the ₹1 lakh exemption on equity LTCG and indexation on debt/property at 2024-25 rates.

Calculate monthly professional tax deduction based on your salary and state of employment. Covers PT slabs for all major Indian states including Maharashtra, Karnataka, and West Bengal.

Calculate Short-Term Capital Gains tax on equity shares and mutual funds sold within 12 months. Apply the flat 20% STCG rate on equity and slab rate on debt assets.

Estimate your income tax refund after TDS, advance tax, and self-assessment tax paid. See if you are owed a refund or have a balance due before filing your ITR.

Find the maximum tax deductions available to you under Sections 80C, 80D, 80E, HRA, and NPS. Calculate total tax saved and plan your investments for the financial year.

Calculate Tax Deducted at Source for salary, FD interest, rent, and professional fees. Find TDS rates applicable to your income type and verify correct deduction at source.