Finance Calculators
150 free tools
Free financial calculators for India - GST, EMI, SIP, income tax, HRA, FD, PPF, gratuity, and retirement planning calculators.
Finance calculators help you make better money decisions by putting precise numbers behind every financial choice — whether you are taking a home loan, planning for retirement, calculating your income tax, or evaluating an investment. All 150+ calculators on this page run entirely in your browser; your financial data never leaves your device.
Our India-specific finance tools cover the full spectrum: loan EMI calculators with accurate amortisation schedules, GST calculators for both inclusive and exclusive computations, income tax calculators comparing the new and old tax regimes, SIP calculators with step-up options, and government scheme calculators for PPF, SSY, NSC, and more.
Tax Calculators24
GST Calculator India
Calculate the GST amount and total payable on any base price by selecting the applicable GST rate slab, with a CGST/SGST or IGST split for domestic and interstate supplies.
GST Exclusive Calculator
Work backwards from a GST-inclusive price to find the original tax-exclusive base price and the GST amount hidden inside it — the reverse of adding GST on top.
GST Inclusive Calculator
Start from a tax-exclusive base price and calculate the final GST-inclusive price a customer would actually pay, with the tax portion shown separately.
Income Tax Calculator India
Estimate your total Indian income tax liability for the year by entering your salary, other income, and eligible deductions — covering both the old and new tax regime side by side.
Old Regime Tax Calculator
Calculate your income tax liability specifically under the old tax regime, factoring in deductions like 80C investments, HRA, and home loan interest that this regime allows.
New Regime Tax Calculator
Calculate your income tax liability under the new tax regime, which uses a different slab structure and generally does not allow most of the deductions available under the old regime.
TDS Calculator
Estimate the Tax Deducted at Source (TDS) that a payer must withhold on a payment such as salary, interest, professional fees, rent, or contractor payments, based on the nature of the payment.
Advance Tax Calculator
Estimate your advance tax installments for the year — the tax paid in quarterly instalments during the year rather than as a lump sum after year-end, required once your total tax liability crosses a filing threshold.
Capital Gains Tax Calculator
Calculate short-term (STCG) and long-term (LTCG) capital gains tax on the sale of assets like equity shares, mutual funds, or property, based on your purchase price, sale price, and holding period.
Property Tax Calculator
Estimate the annual municipal property tax due on a residential or commercial property based on its assessed value, built-up area, location, and usage type — a local tax separate from income tax.
Professional Tax Calculator
Estimate the professional tax deducted from your salary — a state-levied tax on salaried employees and professionals that varies by state and income slab, distinct from central income tax.
Service Tax Calculator
Calculate service tax on a service amount using the pre-GST tax structure that applied in India before GST replaced it — useful for reviewing historical invoices or records from before the GST transition.
VAT Calculator
Calculate Value Added Tax on a price for jurisdictions that use a VAT system rather than GST, adding or extracting the tax portion based on the applicable VAT rate.
Excise Duty Calculator
Estimate excise duty charged on the manufacture of specific goods such as alcohol, tobacco, or petroleum products — a duty levied at the production stage rather than at final sale.
Customs Duty Calculator
Estimate customs duty payable on imported goods based on their assessable customs value and the applicable duty rate for that product category, before the goods clear customs.
Dividend Tax Calculator
Estimate the tax payable on dividend income received from shares or mutual funds, based on your total dividend amount and applicable income tax slab.
Gift Tax Calculator
Estimate the tax implications of a gift of money or property you received, based on the gift value, your relationship with the giver, and applicable exemption categories under income tax rules.
Wealth Tax Calculator
Estimate wealth tax on net assets using the legacy wealth tax framework — useful for historical comparisons, older financial records, or jurisdictions that still levy a separate tax on net wealth.
NRI Tax Calculator
Estimate Indian income tax liability for Non-Resident Indians on India-sourced income such as rent, interest, capital gains, or salary, which follows different residency-based rules than resident taxpayers.
Freelancer Tax Calculator
Estimate income tax for freelancers and consultants on professional or business income, accounting for deductible business expenses and presumptive taxation options where applicable.
Senior Citizen Tax Calculator
Estimate income tax for senior citizens, accounting for the age-based benefits available to them, such as a higher basic exemption threshold and relief from certain compliance requirements.
Section 80C Calculator
Calculate how much of your Section 80C-eligible investments and expenses — such as PPF, ELSS, life insurance premiums, and home loan principal repayment — can reduce your taxable income under the old tax regime.
HRA Exemption Calculator
Calculate the exempt portion of your House Rent Allowance based on your basic salary, HRA received, actual rent paid, and whether you live in a metro or non-metro city.
Section 24 Calculator
Calculate the home loan interest deduction available under Section 24 against income from house property, with different treatment depending on whether the property is self-occupied or let out.
Loan Calculators25
EMI Calculator
Calculate the fixed monthly installment for any type of loan from its principal, interest rate, and tenure — a general-purpose EMI calculator that works for any loan category.
Home Loan EMI Calculator
Calculate the monthly EMI for a home loan, a long-tenure loan secured against the property being purchased, from the loan amount, interest rate, and tenure.
Personal Loan EMI Calculator
Calculate the monthly EMI for an unsecured personal loan, which typically carries a shorter tenure and higher interest rate than secured loans since no collateral backs it.
Car Loan EMI Calculator
Calculate the monthly EMI for a car or auto loan secured against the vehicle, from the financed loan amount, interest rate, and tenure.
Education Loan EMI Calculator
Calculate the monthly EMI for an education loan from the loan amount, interest rate, and repayment tenure you plan to start once regular EMI payments begin (after any moratorium period ends).
Business Loan EMI Calculator
Calculate the monthly EMI for a business loan used for working capital, expansion, or equipment purchase, so you can weigh the repayment against expected business cash flow.
Loan Affordability Calculator
Work out the loan amount you can comfortably afford by starting from the EMI that fits your monthly budget, rather than starting from a loan amount and checking if the EMI fits.
Loan Comparison Calculator
Compare two or more loan offers side by side — EMI, total interest, and total repayment — to see which one actually costs less, since the lowest interest rate isn't always the lowest total cost.
Loan Prepayment Calculator
Calculate how a one-time lump-sum extra payment toward your loan principal reduces either your remaining tenure or your EMI, and how much total interest you save.
Loan Tenure Calculator
Solve for how long it will take to repay a loan when you already know the loan amount, interest rate, and the EMI you plan to pay — the reverse of calculating EMI from a fixed tenure.
Loan Eligibility Calculator
Estimate the maximum loan amount a lender is likely to approve based on your income and existing debt obligations — a lender's-side view of borrowing capacity, using common income-multiple and obligation-ratio methods.
Mortgage Calculator
Calculate mortgage payments using the general international mortgage structure — principal, interest, taxes, and insurance factored separately — for buyers comparing property financing outside a single-country loan format.
Refinance Calculator
Compare your existing loan's remaining cost against a new loan at a different rate or term, to see whether refinancing actually saves money once switching costs are factored in.
Interest Rate Calculator
Solve for the effective interest rate of a loan when you already know the principal, tenure, and EMI — useful for reverse-checking a rate a lender has quoted, or one implied by an EMI you've seen advertised.
Flat Rate to Reducing Rate
Convert a loan's flat interest rate into its equivalent reducing-balance rate, so you can compare it fairly against loans quoted on a reducing-balance basis.
Loan Against Property Calculator
Calculate EMI for a Loan Against Property (LAP) — a general-purpose loan secured by property you already own, used for any purpose, not for purchasing that property.
Gold Loan Calculator
Calculate EMI or interest cost for a gold loan — a short-tenure loan secured by pledging gold jewelry or coins, typically disbursed quickly with minimal documentation.
Two Wheeler Loan Calculator
Calculate EMI for a two-wheeler loan used to finance a bike or scooter — typically a smaller loan amount and shorter tenure than a car loan, and often quoted at a flat interest rate.
Loan Top Up Calculator
Calculate the combined EMI when you borrow additional funds — a top-up loan — on top of an existing loan you're already repaying, typically from the same lender at a rate close to your existing one.
Balance Transfer Calculator
Calculate the savings from transferring your outstanding loan balance to a new lender at a lower interest rate, after accounting for transfer/processing fees on the new loan.
Part Payment Calculator
Calculate the effect of making regular smaller extra payments toward your loan principal alongside your normal EMI, rather than one large one-time lump sum.
Credit Card EMI Calculator
Convert a specific credit card purchase or outstanding bill into fixed monthly installments, so you can see the EMI and total interest before opting into a card EMI plan.
Overdraft Calculator
Calculate the interest cost of an overdraft facility linked to your bank account, where interest is charged daily only on the amount actually utilized, not on the full sanctioned limit.
Line of Credit Calculator
Calculate the interest cost of a standalone revolving line of credit — a separate credit facility (not tied to a bank account) that you can draw from and repay flexibly up to an approved limit.
Construction Loan Calculator
Calculate EMI for a construction loan, which is disbursed in stages as building work progresses rather than as a single lump sum, with interest often charged only on the amount disbursed so far.
Investment Calculators25
SIP Calculator
Project the future value of a fixed monthly SIP (Systematic Investment Plan) in a mutual fund, from your monthly contribution, expected annual return, and investment period.
SIP Step Up Calculator
Project SIP returns when you increase your monthly contribution by a fixed percentage every year, modeling how a rising income can accelerate your investment corpus compared to a flat SIP.
SWP Calculator
Find out how long a lump-sum corpus will last if you withdraw a fixed amount every month, based on your corpus size, monthly withdrawal, and expected rate of return — useful for planning retirement income.
STP Calculator
Model a Systematic Transfer Plan that gradually moves a lump sum from a debt fund into an equity fund through fixed monthly transfers, spreading market-entry risk instead of investing the full amount in equity at once.
Lumpsum Calculator
Project the future value of a single one-time investment compounding at an expected annual rate of return over a chosen number of years — for money invested all at once rather than in monthly instalments.
FD Calculator
Calculate the maturity value and interest earned on a bank Fixed Deposit from the principal amount, annual interest rate, and tenure, using annual compound growth.
RD Calculator
Calculate the maturity value of a bank Recurring Deposit from a fixed monthly deposit, interest rate, and tenure, using quarterly compounding as banks typically apply for RDs.
Mutual Fund Returns Calculator
Work out the actual returns on a mutual fund investment you already hold, from the number of units, your purchase NAV, the current NAV, and how long you've held it — for evaluating an existing holding, not projecting future growth.
XIRR Calculator
Estimate the annualized return on a single investment from its initial amount, final value, and holding period — a simplified approximation, not a full multi-cashflow XIRR calculation.
CAGR Calculator
Calculate the Compound Annual Growth Rate (CAGR) between an initial and final value over a given number of years — a single percentage figure with no other breakdown.
Simple Interest Calculator
Calculate simple interest on a principal amount using the basic Principal × Rate × Time formula, where interest is charged only on the original principal, not on accumulated interest.
Compound Interest Calculator
Calculate compound interest on a principal amount with a configurable compounding frequency (annual, half-yearly, quarterly, or monthly), showing how more frequent compounding grows the final amount.
Post Office RD Calculator
Calculate the maturity value of an India Post Office Recurring Deposit from your monthly deposit, interest rate, and tenure, using the quarterly compounding this government-backed scheme applies.
Post Office FD Calculator
Calculate the maturity value of an India Post Office Time Deposit (Post Office FD) from your deposit amount, interest rate, and tenure, using quarterly compounding.
Post Office MIS Calculator
Calculate the fixed monthly income payout from a Post Office Monthly Income Scheme (MIS) deposit, based on your investment amount and the scheme's interest rate — an income-generating scheme, not a compounding growth investment.
SCSS Calculator
Calculate the quarterly and annual income from a Senior Citizens Savings Scheme (SCSS) deposit, a government-backed scheme offering regular payouts for senior citizens, based on your deposit amount and the scheme's interest rate.
NSC Calculator
Calculate the maturity value of a National Savings Certificate (NSC) from your investment amount, interest rate, and tenure, with annual compounding as this government scheme applies.
KVP Calculator
Calculate how many years it takes for a Kisan Vikas Patra (KVP) investment to double at the current interest rate, along with its projected value at 10 years.
Sukanya Samriddhi Calculator
Calculate the maturity value of a Sukanya Samriddhi Yojana (SSY) account for a girl child, based on annual deposits made for 15 years and the balance growing untouched until she turns 21.
Mahila Samman Calculator
Calculate the maturity value of a Mahila Samman Savings Certificate, a short-tenure government savings scheme for women and girls, from your deposit amount, interest rate, and tenure.
Bond Yield Calculator
Calculate a bond's current yield and approximate yield to maturity (YTM) from its face value, coupon rate, market price, and years to maturity — for any government or corporate bond.
Debenture Calculator
Calculate the annual interest, total interest payout, and approximate yield to maturity on a company-issued debenture from its face value, coupon rate, price, and tenure.
Stock Average Calculator
Calculate your true weighted average purchase price for a stock bought in two separate lots at different prices, along with your total units held and total amount invested.
Brokerage Calculator
Calculate the total transaction cost of a stock trade — brokerage, STT, exchange charges, GST, and SEBI fees — and your net profit or loss after charges, for both intraday and delivery trades.
Options Profit Calculator
Calculate the profit or loss, maximum possible loss, and break-even price for a single call or put option position, from the spot price, strike price, premium paid, and lot size.
Retirement Calculators20
PPF Calculator
Calculate the maturity value of a Public Provident Fund account from your annual deposit, interest rate, and investment period, with annual compounding.
EPF Calculator
Estimate your Employee Provident Fund corpus at retirement from your basic salary, contribution years, and interest rate — based on the standard 12% of basic salary contribution.
NPS Calculator
Project your National Pension System corpus at age 60 from your current age, annual investment, and expected return, split into the mandatory 60% lump sum and 40% annuity portions.
Gratuity Calculator
Calculate your gratuity payout using the standard formula of last drawn salary × 15 days × years of service ÷ 26, as used under the Payment of Gratuity Act.
Retirement Corpus Calculator
Calculate the lump-sum corpus you need at retirement to fund a chosen monthly expense for your entire retirement, adjusted for expected returns and inflation.
Pension Calculator
Estimate your monthly EPS (Employees' Pension Scheme) pension using the government formula of pensionable salary × pensionable service ÷ 70.
Monthly Pension Calculator
Calculate the monthly pension you could generate by annuitizing a chosen percentage of your retirement corpus, while keeping the rest as a withdrawable lump sum.
Retirement Age Calculator
Work out the monthly SIP you need to start today to retire comfortably at your target age, based on today's expenses, inflation, expected returns, and an assumed life expectancy of 85.
SWP Retirement Calculator
Check how long your retirement corpus will last under a chosen monthly withdrawal (SWP), and see whether that withdrawal is sustainable against the 4% safe-withdrawal benchmark.
Annuity Calculator
Calculate the fixed monthly payout an annuity would pay from a lump-sum principal, for either an immediate or deferred annuity, at a given rate and payout period.
Reverse Mortgage Calculator
Estimate the monthly income a reverse mortgage could pay a senior citizen homeowner, based on the property's value, the owner's age, and the loan interest rate.
4% Rule Calculator
Apply the classic 4% rule (25× annual expenses) to estimate the retirement corpus you need and the resulting safe monthly withdrawal amount.
Life Expectancy Calculator
Get a rough, lifestyle-based estimate of life expectancy from your age, exercise habits, smoking status, and BMI, to help ballpark a retirement planning horizon — not a medical assessment.
Inflation Impact Calculator
See both sides of inflation's impact on money: what today's goods will cost in the future, and what today's amount will actually be worth in future purchasing power.
Goal-Based Investment Calculator
Calculate the monthly SIP required to reach any financial goal amount by a target date, accounting for the future value of savings you already have set aside.
Child Education Calculator
Calculate the monthly SIP needed to fund your child's future education, based on today's education cost, your child's current age, the age education begins, and education-specific inflation.
Marriage Expense Calculator
Calculate the monthly SIP needed to build a wedding fund, based on today's estimated budget, years until the wedding, and expected inflation.
Emergency Fund Calculator
Calculate the emergency fund size you need based on your monthly expenses and desired months of coverage, and see what it could grow to if parked in a liquid fund.
Net Worth Calculator
Get a snapshot of your current net worth by totaling your assets (cash, mutual funds, property, gold) and subtracting your liabilities (home loan, car loan).
Portfolio Allocation Calculator
Get a suggested equity-vs-debt portfolio split based on your age, total corpus, and risk profile, with an illustrative breakdown of each sleeve into sub-categories.
Salary Calculators25
In-Hand Salary Calculator
Get a quick ballpark estimate of your monthly take-home pay from your annual CTC, using a flat assumed deduction rate — for a detailed breakdown with actual income-tax slabs, use the CTC to Take-Home calculator instead.
CTC to Take Home Calculator
Work out your actual monthly take-home pay from a job offer's CTC, with a full breakdown of basic, HRA, PF, and estimated TDS calculated using real income-tax slabs — built for evaluating an offer, not just a rough guess.
Salary Hike Calculator
Calculate your new salary and the rupee increase from a percentage hike on your current salary — useful for evaluating an appraisal letter or a counter-offer.
HRA Calculator
Work out how much of your House Rent Allowance is tax-exempt from your basic pay, HRA received, rent paid, and whether you live in a metro city — useful when planning your salary structure or rent declaration.
Basic Salary Calculator
Work out your basic pay from your CTC and a chosen basic percentage, plus the resulting PF and gratuity implications — useful when negotiating how your salary structure should be split.
Gross Salary Calculator
Add up your basic pay, HRA, special allowance, travel allowance, and medical allowance into your total gross salary — for when you already know each component and just need the total.
DA Calculator
Calculate Dearness Allowance from your basic pay and a DA rate — mainly relevant to central/state government and public sector employees, whose DA rate is revised periodically to offset inflation.
TA Calculator
Look up the monthly Travel Allowance amount for government-pattern city classifications (X/Y/Z), a fixed rupee amount that varies by city grade rather than a percentage of pay.
Special Allowance Calculator
Find your special allowance as the residual amount left in your CTC after subtracting basic, HRA, employer PF, and gratuity — the catch-all component companies use to balance out a CTC figure.
LTA Calculator
Calculate your Leave Travel Allowance entitlement (typically two months' basic pay) and understand the tax-exemption rules around claiming actual domestic travel fare within a block period.
Medical Allowance Calculator
Calculate the tax-exempt and taxable portions of your monthly medical allowance under the old tax regime's medical reimbursement exemption rules.
Conveyance Allowance Calculator
Calculate the tax-exempt and taxable portions of your monthly conveyance (transport) allowance under the old tax regime's standard exemption cap.
Food Allowance Calculator
Calculate the tax-exempt portion of your food/meal allowance — exemption depends on whether it's paid as meal vouchers/coupons rather than plain cash.
NPS Contribution Calculator
Calculate your and your employer's monthly/annual NPS contribution from basic pay and contribution percentages, along with which tax section each contribution falls under.
ESIC Calculator
Check whether ESIC applies to your gross salary and, if it does, calculate the employee and employer contribution amounts and the benefits it provides.
PF Calculator
Calculate your employee PF contribution, employer PF, and employer EPS split from your basic pay, using the wage-ceiling rule that applies to the employer-side portion.
Professional Tax Calculator State
Get an illustrative estimate of monthly professional tax from your salary using a common slab pattern — professional tax rates actually vary by state, so confirm your specific state's slab with your employer for an exact figure.
Overtime Pay Calculator
Calculate overtime pay from your monthly salary, overtime hours worked, and a pay multiplier, based on an hourly rate derived from a standard working month.
Bonus Calculator
Calculate your statutory annual bonus from basic pay and bonus percentage, using the wage ceiling that applies for statutory bonus calculation purposes.
Severance Pay Calculator
Calculate your full severance package — gratuity, notice pay, and leave encashment combined — from your basic pay, years of service, and notice pay amount.
Notice Period Pay Calculator
Calculate the buyout amount for your unserved notice period days, from your monthly salary and how many notice days remain after what you've already served.
Relocation Calculator
Add up your total relocation cost — moving/packing, temporary housing over several months, and miscellaneous expenses — for budgeting a job-related move or an employer reimbursement claim.
Salary Comparison Calculator
Compare two job offers side by side by splitting each CTC into its fixed and variable components, so you can see which offer is actually stronger on guaranteed pay.
Cost to Company Calculator
Understand what a CTC figure is actually composed of — see how it breaks down into basic, HRA, special allowance, PF, and gratuity, plus the estimated tax and resulting take-home.
Variable Pay Calculator
Calculate your actual variable pay payout for a performance cycle from your target variable amount, achievement percentage, and payout multiplier.
Business Finance30
Startup Runway Calculator
Estimate how many months of runway your startup has left by dividing total cash in the bank by your current monthly burn rate.
Burn Rate Calculator
Calculate your startup's monthly cash burn rate from your starting cash balance, ending cash balance, and the number of months between them.
NPV Calculator
Calculate the Net Present Value of an investment from its initial cost, a discount rate, and a series of future cash flows, with an accept/reject recommendation.
IRR Calculator
Calculate the Internal Rate of Return for an investment with an initial outlay and four yearly cash flows, using an iterative bisection method.
Payback Period Calculator
Calculate how many years it takes to recover your initial investment from four yearly cash flows, based on cumulative cash recovery.
Discount Rate Calculator
Calculate the implied annual discount (growth) rate between a present value and a future value over a given number of years.
Working Capital Calculator
Calculate your working capital (current assets minus current liabilities) along with the resulting current ratio, to gauge short-term liquidity.
Debt Service Coverage Ratio
Calculate your Debt Service Coverage Ratio (DSCR) - EBIT divided by interest plus principal repayment - to gauge whether operating profit covers your total debt obligations.
Current Ratio Calculator
Calculate your current ratio - current assets divided by current liabilities - a standard measure of short-term liquidity.
Quick Ratio Calculator
Calculate your quick ratio (acid-test ratio) - current assets minus inventory, divided by current liabilities - a stricter measure of short-term liquidity.
Inventory Turnover Calculator
Calculate how many times per year your inventory turns over from COGS and average inventory, plus the equivalent days inventory outstanding.
Receivables Turnover Calculator
Calculate how many times per year you collect your average receivables from revenue and average receivables, with the equivalent days sales outstanding shown alongside.
Asset Turnover Calculator
Calculate your asset turnover ratio - revenue divided by average total assets - to measure how efficiently assets generate sales.
Debt to Equity Calculator
Calculate your debt-to-equity ratio - total debt divided by shareholders' equity - a core measure of financial leverage.
Equity Ratio Calculator
Calculate your equity ratio - shareholders' equity divided by total assets - to see what portion of assets are funded by equity rather than debt.
Interest Coverage Ratio
Calculate your interest coverage ratio - EBIT divided by interest expense - to check how comfortably operating profit covers interest payments.
Gross Margin Calculator
Calculate your gross profit and gross margin percentage from revenue and cost of goods sold (COGS).
Operating Margin Calculator
Calculate your operating margin - operating income (EBIT) divided by revenue - using an EBIT figure you provide directly.
Net Margin Calculator
Calculate your net profit margin - net income (PAT) divided by revenue - from figures you provide directly.
EBITDA Calculator
Calculate EBITDA by adding depreciation and amortisation back to a given EBIT figure.
EBIT Calculator
Calculate EBIT (Earnings Before Interest and Tax) by working down from revenue through COGS and operating expenses, along with EBIT margin.
Operating Leverage Calculator
Calculate your Degree of Operating Leverage (DOL) - contribution margin divided by EBIT - to see how sensitive profit is to changes in sales.
Financial Leverage Calculator
Calculate your Degree of Financial Leverage (DFL) - EBIT divided by EBIT minus interest - to see how sensitive earnings per share is to changes in EBIT.
Combined Leverage Calculator
Calculate your Degree of Combined Leverage (DCL) by computing operating leverage and financial leverage together from contribution margin, EBIT, and interest expense.
Break-Even Point Calculator
Calculate your break-even sales volume and revenue from fixed costs, selling price per unit, and variable cost per unit.
Contribution Margin Calculator
Calculate your contribution margin and contribution margin ratio from total revenue and total variable costs.
Margin of Safety Calculator
Calculate your margin of safety - how far actual sales exceed your break-even revenue - as both a rupee amount and a percentage.
Cash Conversion Cycle
Calculate your Cash Conversion Cycle by combining your Days Sales Outstanding, Days Inventory Outstanding, and Days Payable Outstanding into a single cash-cycle length.
Days Sales Outstanding
Calculate your Days Sales Outstanding (DSO) directly from your accounts receivable balance and annual revenue.
Days Payable Outstanding
Calculate your Days Payable Outstanding (DPO) from your accounts payable balance and COGS, to see how long you take to pay suppliers on average.