Test a decision before you make it.

42 calculators for investing, planning, government schemes, loans and tax. Every one shows its formula, explains the result and links to the lesson behind it. Save any result to your dashboard.

Investing

SIPs, lumpsums, returns and trading costs

SIP calculatorWhat a monthly SIP could grow into.
Step-up SIP calculatorRaise your SIP every year and see the difference.
Lumpsum calculatorGrowth of a one-time investment.
SWP calculatorA monthly income from your corpus, and how long it lasts.
Mutual fund returns calculatorSIP or lumpsum returns in one place.
CAGR calculatorThe yearly growth rate between two values.
ROI calculatorTotal and annualised return on an investment.
XIRR calculatorYour true return across irregular cash flows.
Stock average calculatorAverage buy price across multiple purchases.
Brokerage calculatorEvery charge on a trade: brokerage, STT, stamp duty, GST.
Compound interest calculatorInterest that earns interest.
Simple interest calculatorInterest on the principal only.
Inflation calculatorWhat today's cost will be in the future.

Planning

Goals, retirement, FIRE and your balance sheet

Goal plannerThe monthly SIP that reaches your goal on time.
Retirement calculatorThe corpus you need, and the SIP that builds it.
FIRE calculatorYour financial independence number and date.
Emergency fund calculatorHow big your safety net should be.
Net worth calculatorEverything you own minus everything you owe.
Asset allocation calculatorAn educational equity–debt–gold mix for your profile.
Rebalancing calculatorWhat to buy or sell to get back to target.
Cost of delay calculatorWhat waiting a few years to start really costs.

Savings schemes

PPF, EPF, NPS, FDs and government schemes

PPF calculatorPublic Provident Fund maturity at 7.1%.
EPF calculatorYour provident fund balance at retirement.
NPS calculatorNPS corpus, lumpsum and monthly pension.
Sukanya Samriddhi calculatorSSY maturity for your daughter's future.
FD calculatorFixed deposit maturity and interest.
RD calculatorRecurring deposit maturity with quarterly compounding.
NSC calculatorNational Savings Certificate at 7.7%.
SCSS calculatorSenior Citizens' Savings Scheme quarterly income.
Post Office MIS calculatorMonthly income from POMIS.
Atal Pension Yojana calculatorMonthly APY contribution for your pension.

Loans

EMIs, prepayment and true interest cost

EMI calculatorMonthly EMI, total interest and the schedule.
Home loan EMI calculatorEMI and interest on a home loan.
Car loan EMI calculatorEMI and interest on a car loan.
Flat vs reducing rateWhy a 'flat' rate costs far more than it sounds.
Prepay or invest?Prepaying a loan versus investing the same money.

Tax and salary

Income tax, HRA, gratuity, TDS and GST

Income tax calculatorOld vs new regime for FY 2025-26 and FY 2026-27.
HRA calculatorHow much of your HRA is tax-exempt.
Salary calculatorTake-home pay from your CTC.
Gratuity calculatorGratuity due for your years of service.
TDS calculatorTax deducted at source on common payments.
GST calculatorAdd or remove GST from a price.