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🇮🇳 India / Personal Finance
Free personal finance calculators for India. Calculate EPF maturity, PPF growth, NPS corpus, and emergency fund targets with accurate rates from EPFO and RBI.
26 calculators
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.
India's personal finance ecosystem is shaped by a set of government-backed savings instruments that are unlike anything found in Western economies. The Employees' Provident Fund (EPF) mandates a 12% contribution from both the employee and the employer on basic salary, building a tax-exempt retirement corpus over a working career. The Public Provident Fund (PPF) offers a 15-year lock-in savings scheme at 7.1% per annum, with interest and maturity proceeds entirely tax-free under Section 10 of the Income Tax Act, making it one of the few truly EEE (Exempt-Exempt-Exempt) instruments available. The National Pension System (NPS) complements these with market-linked returns, allowing up to 75% equity allocation during the accumulation phase before mandating annuity purchase at retirement.
India's household savings rate stands at approximately 30% of GDP according to the Reserve Bank of India, among the highest in the world and a reflection of deep cultural preference for financial security. This savings culture increasingly channels into systematic instruments beyond bank fixed deposits, with bank FDs averaging 6.5–7% for general public accounts. A well-structured emergency fund covering 6 months of expenses is especially important given India's limited social safety net and the prevalence of self-employment and contractual work. Planning across EPF, PPF, NPS, and liquid emergency reserves forms the foundation of sound personal finance for Indian households.
EPF and PPF together serve as the backbone of retirement savings for salaried Indians. The EPF account is mandatory for employees earning below ₹15,000/month but is extended to all employees in covered establishments. PPF accounts can be opened at post offices or designated banks. NPS is voluntary for the private sector but mandatory for central government employees who joined after 2004. How these instruments interact with your tax bracket determines how much you keep as take-home pay and build as long-term wealth.