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Money decisions, worked out in rupees.

72 accurate calculators for SIPs, loans, tax and small business, with charts, year-by-year tables and plain-language explanations.

SIP calculatorLive · try the sliders

Monthly₹10,000

Return12%

Years15

Estimated value

₹50.46 lakh

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Formula on every pageSee exactly how each number is calculated.

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Charts and yearly tablesWatch the numbers change year by year.

Rates reviewed 27 September 2026PPF, EPF, tax slabs and GST kept current.

Calculators

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Invest & grow

SIPs, lumpsum, goals and retirement.

SIP calculator Step-up SIP calculatorNEW Goal SIP calculator Retirement calculatorNEW XIRR calculatorNEW SWP calculatorNEW All 14 in invest & grow →

Deposits & govt schemes

FD, RD, PPF, EPF, NPS and post office schemes.

PPF calculator FD calculator EPF calculator NPS calculator Sukanya Samriddhi calculator SCSS calculatorNEW All 11 in deposits & govt schemes →

Loans & debt

EMIs, prepayment, eligibility and payoff plans.

EMI calculator Home loan EMI calculatorNEW Loan prepayment calculator Loan eligibility calculatorNEW Credit card payoff calculator Debt avalanche calculator All 16 in loans & debt →

Tax & salary

Income tax, take-home pay, HRA and gratuity.

Income tax calculatorNEW In-hand salary calculatorNEW HRA exemption calculator Capital gains tax calculatorNEW Gratuity calculator Freelancer tax calculatorNEW All 10 in tax & salary →

Business & GST

GST, pricing, margins and break-even for sellers.

GST calculator GST invoice generatorNEW Product pricing calculatorNEW Profit margin calculatorNEW Break-even calculatorNEW Discount calculatorNEW All 10 in business & gst →

Planning & everyday money

Inflation, emergency fund, money habits.

Emergency fund calculatorNEW Term insurance cover calculatorNEW Health insurance cover calculatorNEW Inflation calculator Money Score Rule of 72 calculator All 6 in planning & everyday money →

Today's money challenge

A new question every day. Can you get it right?

New · Simulators

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Retirement stress testYour plan against 1,000 possible market futures. How often does the money last?Run the test → Run a home bakery for a yearPrices, festivals, Instagram ads and delivery apps, month by month.Start baking → The credit card trapWatch the minimum due keep you paying for years, then find the way out.See the trap →

GuidesAnswers built on real numbers

Old vs new regime by salary Prepay or invest?Cost of delaying a SIP FD vs PPF vs debt fund

Interactive

Financial Life Simulator

Set your salary, savings and EMIs, then make life choices: a car, a home, a career break. Watch your net worth change by 60.

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2-minute quiz

How good is your Money IQ?

12 questions on SIPs, tax, loans and inflation. Get your score and challenge a friend on WhatsApp.

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Premium

Spreadsheet templates

Loan prepayment planner, family budget, retirement planner, business kit and bakery costing sheet. Pay once, keep forever.

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Our approach

Built to be checked, not just trusted

Every calculator shows its formula and a worked example, uses the same conventions as Indian banks and fund houses, and says when its answer can differ from your statement. Rates and tax rules are reviewed every quarter.

How we build our calculators →

Built and maintained by Viraj Sarfare

IT professional who builds free, accurate tools for everyday money decisions in India.

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